| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAST COAST BENEFIT PLANS, INC.3 Filed as: EAST COAST UND. | — | CAS BENEFITS | — | $15.4M | $15.4M | 3142.40% |
| UMR, INC.3 Filed as: UNITED HEALTHCARE INSURANCE CO. | 10701 W RESEARCH DRIVE WAUWATOSA, WI 53226 | CAS BENEFITS | — | $46K | $46K | 9.51% |
| FIDELITY SECURITY LIFE INSURANCE CO3 Filed as: FIDELITY SECURITY LIFE | PO BOX 251749 PLANO, TX 75025 | CAS BENEFITS | — | $15K | $15K | 3.00% |
| ZELIS CLAIMS INTEGRITY INC3 Filed as: ZELIS | — | CAS BENEFITS | — | $13K | $13K | 2.59% |
| HEALTHJOY, LLC3 | — | CAS BENEFITS | — | $8K | $8K | 1.70% |
| DAVID MILLER INS AGENCY INC3 | 5525 N UNION BLVD, SUITE 103 COLORADO SPRINGS, CO 80918 | CAS BENEFITS | — | $6K | $6K | 1.31% |
| PEAK INC3 Filed as: PEAK BENEFITS | 8122 SOUTH PARK LANE, SUITE 210 LITTLETON, CO 80120 | CAS BENEFITS | $5K | — | $5K | 1.09% |
| UMR, INC.3 Filed as: UNITED HEALTHCARE | 10701 W RESEARCH DRIVE WAUWATOSA, WI 53226 | CAS BENEFITS | — | $0 | $0 | 0.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAS BENEFITS | 100 | $489K |
| Dental | CAS BENEFITS | 100 | $489K |
| Life insurance | CAS BENEFITS | 100 | $489K |
| Long-term disability | CAS BENEFITS | 100 | $489K |
| Stop-loss / reinsurancereinsurance | CAS BENEFITS | 100 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.