| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $103K | $103K | 4.09% |
| AP BENEFIT ADVISORS, LLC5 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $20K | $20K | 0.78% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $953 | $39K | 19.43% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.67% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $622 | $19K | 13.59% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.64% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | UNUM INSURANCE COMPANY | $3K | $64 | $3K | 4.17% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $653 | $0 | $653 | 1.01% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD, SUITE 204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 37.07% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.86% |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 496 | $2.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 337 | $141K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 337 | $141K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $199K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $199K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $199K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 496 | $2.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.