| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVENUE, SUITE 400 CLAYTON, MO 63105 | HUMANA MEDICAL PLAN, INC. | $87K | $0 | $87K | 3.65% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | HUMANA MEDICAL PLAN, INC. | $31K | $0 | $31K | 1.30% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $3K | $633 | $4K | 2.27% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVENUE, SUITE 400 CLAYTON, MO 63105 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 1.83% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 6.52% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 3.61% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.11% |
No Schedule C service providers reported on this filing.
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 402 | $2.4M |
| Dental | HUMANA INSURANCE COMPANY | 353 | $166K |
| Vision | HUMANA INSURANCE COMPANY | 353 | $166K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $157K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $157K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $157K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 402 | $2.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 327 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.