| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | $73K | — | $73K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $8K | $8K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27K | $27K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | GUARDIAN | $7K | $8K | $15K | 1.36% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $45K | — | $45K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $50K |
| WEX, INC. ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | 1 HANCOCK STREET PORTLAND, ME 04101 | $14K |
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 | 1,800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 1,667 | $13.5M |
| Dental | GUARDIAN | 1,283 | $1.1M |
| Vision | GUARDIAN | 1,283 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $1.1M |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 1,667 | $13.5M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,606 | $891K |
| Other | GUARDIAN | 1,283 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,831 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.