| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24K | $24K | 3.24% |
| PCF INSURANCE SERVICES OF THE WEST | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 3.54% |
| IBENEFIT COMMUNICATION LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $96K | $3K | $99K | 39.82% |
| PCF INSURANCE SERVICES OF THE WEST | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM INSURANCE COMPANY | $96K | — | $96K | 38.55% |
| IBENEFIT COMMUNICATION LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $73K | $2K | $75K | 39.88% |
| PCF INSURANCE SERVICES OF THE WEST | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM INSURANCE COMPANY | $73K | — | $73K | 38.56% |
| IBENEFIT COMMUNICATION LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $66K | $2K | $69K | 39.81% |
| PCF INSURANCE SERVICES OF THE WEST | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM INSURANCE COMPANY | $66K | — | $66K | 38.52% |
| PCF INSURANCE SERVICES OF THE WEST | 213 CONRAD STREET NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.21% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | HARTFORD LIFE & ACCIDENT | $552K | — | $552K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH EIN 35-1846036 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | POBOX 2920 CLINTON, IA 52733 | $1.2M |
| LEGALSHIELD EIN 73-1016729 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 PREPAID WAY ADA, OK 74820 | $88K |
| COMPSYCH EIN 36-3272141 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | $66K |
| BLUECROSS BLUESHIELD OF MONTANA EIN 13-1837418 CONTRACT ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | POBOX 4309 HELENA, MT 59604 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 7,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,536 | $736K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,333 | $519K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE | 4,995 | $1.9M |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 5,536 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,536 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.