| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON RISK II, LLC3 Filed as: THOMPSON RISK II, LLC. | 2590 NORTHBROOKE PLAZA DRIVE SUITE 205 NAPLES, FL 34119 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $54K | $59K | 1.95% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS, LLC. | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 01748 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 1.47% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $33K | $38K | 1.25% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS, LLC. | 1475 SOUTH PRICE ROAD CHANDLER, AZ 85286 | UNITEDHEALTHCARE INSURANCE COMPANY | $893 | $9K | $9K | 0.31% |
| THOMPSON RISK II, LLC3 Filed as: THOMPSON RISK II, LLC. | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $139 | $4K | 10.73% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.61% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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."
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.