| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC. Filed as: STOP LOSS INSURANCE SERVICES | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | HCC LIFE INSURANCE COMPANY | $58K | — | $58K | 5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPUSYS OF UTAH, INC. EIN 85-0203669 | Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $492K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $464K |
| MMPL | Legal Service code 29 | 2101 FOURTH AVENUE STE 2170 SEATTLE, WA 98121 | $131K |
| RAEL LETSON | Actuarial Service code 11 | 378 VINTAGE PARK DRIVE FROST CITY, CA 94404 | $116K |
| HAYNIE & COMPANY | Accounting (including auditing) Service code 10 | 1785 WEST 2300 SOUTH SALT LAKE CITY, UT 84119 | $47K |
| TELADOC HEALTH INC EIN 04-3705970 | Claims processing Service code 12 | 2 MANHATTANVILLE RD PURCHASE, NY 10577 | $29K |
| SEGALL BRYANT & HAMILL EIN 35-2679129 | Investment management Service code 28 | — | $25K |
| SERVICE PRESS INC | Copying and duplicating Service code 36 | 722 S 300 W SALT LAKE CITY, UT 84101 | $16K |
| NEEDLES & ASSOCIATES, LLC | Accounting (including auditing) Service code 10 | 350 INTERLOCKEN BLVD S220 BROOMFIELD, CO 80021 | $14K |
| US BANK EIN 93-0826646 | Investment management Service code 28 | 555 SOUTHWEST OAK PORTLAND, OR 97204 | $11K |
| NEPC, LLC EIN 26-1429809 | Investment advisory (plan) Service code 27 | ONE MAIN STREET CAMBRIDGE, MA 02142 | $9K |
| DEBOER & ASSOCIATES PC | Accounting (including auditing) Service code 10 | 17330 WRIGHT ST STE 100 OMAHA, NE 681302157 | $9K |
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 | 1,459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTH CARE INSURANCE COMPANY | 1,453 | $90K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,608 | $979K |
| Other(2 contracts) | UNITEDHEALTH CARE INSURANCE COMPANY | 1,453 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
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.