| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 LOCKBOX 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1.0M | — | $1.0M | 5.99% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $65K | $65K | 0.38% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $198K | $0 | $198K | 2.00% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $159K | $75K | $234K | 3.19% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | CAREFIRST BLUE CHOICE | $90K | $241 | $91K | 1.55% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | $12K | $107K | 6.88% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | HEALTH NEW ENGLAND,INC. | $24K | — | $24K | 2.14% |
| AUBREY L. BRANCH3 Filed as: AUBREY L BRANCH | 1720 SILENT SUNSET AVE. N LAS VEGAS, NV 89084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55K | — | $55K | 5.61% |
| MICHAEL F IVES3 | 6127 SOUTH RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | — | $43K | 4.36% |
| SIMON B REYES3 | 724 AMBER HILLS DRIVE LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.18% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| DWIGHT L PIERCE3 | 1200 E TAFT STREET SAPULPA, OK 74066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $850 | — | $850 | 0.09% |
| NANCY RIOJAS3 | 1925 S RIVER STREET #13 NEWBERG, OR 97132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | — | $464 | 0.05% |
| PATRICK J SULLIVAN3 | 36 DESERT HIGHLANDS DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 0.04% |
| JEREMIAH TROY TALTON3 Filed as: JEREMIAH T TALTON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $376 | — | $376 | 0.04% |
| LAURIE ANN UNDERNEHR3 Filed as: LAURIE A UNDERNEHR | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $369 | — | $369 | 0.04% |
| VALERIE S. LEWIS3 Filed as: VALERIE S LEWIS | 9104 CANYON MAGIC AVE. LAS VEGAS, NV 89129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335 | — | $335 | 0.03% |
| SYLVIA A MARRERO-JONES3 | 3375 TOMPKINS AVE UNIT 149 LAS VEGAS, NV 89121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $326 | — | $326 | 0.03% |
| CORE FIVE SOLUTIONS3 Filed as: CORE V SOLUTIONS, INC | 7400 GAYLORD PARKWAY FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 0.03% |
| KACY A GRUENKEMEYER3 | 20 CHEROKE E BLVD #306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | — | $316 | 0.03% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 5463 SOUTH DURANGO DRIVE SUITE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.03% |
| LINDSEY MARIE DUFEK3 Filed as: LINDSEY DUFEK VEREKER | 1009 PELICAN COVE OCEAN SPRINGS, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 0.03% |
| DANIEL TANNER WHITEHEAD3 Filed as: DANIEL WHITEHEAD | 2611 MAHOGANY DRIVE TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.03% |
| SUSAN J TAORMINA3 | 28 FIRST STREET MT CLEMENS, MI 48043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | — | $237 | 0.02% |
| AMY BECHTEL3 | 6212 J W CHARLESTON BLVD #200 LAS VEGAS, NV 89146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 0.02% |
| LYNDA B MACDONALD3 | 28655 OAKMONTE CIRCLE W NEW HUDSON, MI 48165 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.02% |
| IAN A BURT3 | 5201 ABINGTON DRIVE TROY, MI 48085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.02% |
| MARK BUTLER INC3 Filed as: MARK D BUTLER | 13155 HWY 67 SUITE D BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.02% |
| STEPHEN B THACKSTON3 Filed as: STEPHEN THACKSTON | 2851 S VALLEY VIEW #2159 LAS VEGAS, NV 89102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 0.02% |
| EVELYN J WASHCHUK3 | 28 FIRST STREET MT CLEMENS, MI 48043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.02% |
| WAYNE C KIM3 | 15043 SAGEWOOD STREET GULFPORT, MS 39503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.02% |
| MICHELLE L VILLENEUVE3 | 15770 CHARLESTON DRIVE CLINTON TOWNSHIP, MI 48038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.01% |
| GERALD E FRY3 | 1501 DALLAS TERRACE HENDERSON, NV 89014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.01% |
| JEAN DAVID BUTLER3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.01% |
| WILLIAM MARZOLF3 | 3647 TOPAWA DRIVE LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.01% |
| VALERIE R JOHNSTON3 | 5685 W ROCELLE AVE APT 208 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.01% |
| DREW L WHITTINGTON3 | 3660 WATERMELON RD STE 206 NORTHPORT, AL 35473 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.01% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.01% |
| SHERRY R WILFONG-PALZET3 | 4625 SOUTH POLARIS AVE SUITE 212 LAS VEGAS, NV 89103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.01% |
| CHRISTOPHER S HARDY3 Filed as: CHRISTOPHER HARDY | 760 INDIAN OAK DRIVE SALTILLA, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.01% |
| SYDNEY N. COTTON3 Filed as: SYDNEY N COTTON | 625 MAHOGANY DRIVE TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.01% |
| LEIGH A SULLIVAN3 | 2611 MAHOGANY DRIVE TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.01% |
| ANDREW K GLAUB3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.01% |
| CARMEN PARSON3 Filed as: CARMEN M PARSON | 28 FIRST STREET MT CLEMENS, MI 48043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.01% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PLACE THE VILLAGES, FL 32162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 51110 SHADOW RIDGE DRIVE MACOMB, MI 48042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| REGINA G AICKLEN3 Filed as: REGINA AICKLEN | 236 HAMLAY WAY HENDERSON, NV 89074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.01% |
| ROBERT STRYE3 Filed as: ROBERT F STRYE | 20470 PICADILLY RD DETROIT, MI 48221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.01% |
| EDGAR J SANCHEZ SR3 | 28 FIRST STREET MT CLEMENS, MI 48043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.01% |
| RENAE BLACKWELL3 Filed as: RENAE Y BLACKWELL | 20907 COREY DRIVE MACOMB, MI 48044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS | 575 NE 5TH TERRACE APT 339 FL LAUDERDALE, FL 33301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| AUBRIE LANE3 | 11365 FENTON DRIVE BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.00% |
| JAMES J MOREAU3 | 6721 WASHINGTON AVE. APT 3D OCEAN SPRINGS, MS 39564 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.00% |
| TAMMY S MCMINN3 | 202 CR 99 WATER VALLEY, MS 38965 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.00% |
| JOAN G MILLS3 | 266 NOTTINGHAM DRIVE BATESVILLE, MS 38606 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.00% |
| JENNIFER C BOREK3 | 844 GREEN T. LAKE WEST HERNANDO, MS 38632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.00% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.00% |
| WILLIAM (ALLEN) A BAZZELL3 | 3174 HIGHWAY 45 N COLUMNUS, MS 39705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.00% |
| JEANETTE A WHITEHEAD3 Filed as: JEANETTE D WHITEHEAD | 310 SOUTH STREET WATER VALLEY, MS 38965 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| ALEXIS B JENKINS3 | 6211 CHARLESTON COURT DRIVE OXFORD, MS 38655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| RANDALL D LADNER3 | 601 CRESCENT BLVD SUITE 300 RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE. WOLFFORTH, TX 79382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 11585 HADWEN LANE LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| CHRIS D BOULDREY3 Filed as: CHRIS D. BOULDREY | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| VICKI M BUTLER3 | 601 CRESCENT BLVD SUITE 102 RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| THOMAS W RINGWALD3 | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JIM M BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| KELLY L HILL3 | 7946 WHITE FALLS RENO, NV 89506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOHN MACIAS JR3 | 1755 E PLUM LANE #169 RENO, NV 89502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NICHOLAS E VIGIL3 | 387 FISHER COURT FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PETER T ARNOLD3 | 193 BLUE RAVINE RD #140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JENNIFER E MACIAS3 | 1755 E PLUMB LANE #169 RENO, NV 89502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JENNIFER GRIFFIN3 | 32419 HOLDEN DRIVE WARREN, MI 48092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 LOCKBOX 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 6.81% |
| AUBREY BRANCH3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | RELIASTAR LIFE INSURANCE COMPANY | $477K | $0 | $477K | 60.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | P.O. BOX 29675 LOCKBOX 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 3.27% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 1.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE. STE. S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 1.46% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | HYATT LEGAL PLAN | $63K | $0 | $63K | 10.13% |
| DISABILITY INSURANCE SVCS INC3 | 4444 ZION AVE SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $79K | $126 | $79K | 16.92% |
| QUINCY L BRANCH3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 4.55% |
| CHARLES DAVID BUCKALEW JR3 | 11111 SANTA MONICA BLVD. STE 1150 LOS ANGELS, CA 90025 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 1.76% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS ZIMMER | 7272 E. INDIAN SCHOOL ROAD STE 220 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.64% |
| GREGORY ALAN MAYFIELD3 | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.49% |
| FRANK HOGAN3 | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $53 | $0 | $53 | 0.01% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | DELTA DENTAL OF MASSACHUSETTS | $8K | — | $8K | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $4.5M |
| ROCKY MOUNTAIN HOSPITAL AND MEDICAL EIN 84-0747736 SERVICE PROVIDER | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.5M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Contract Administrator; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Consulting (general) Service code 12 | — | $903K |
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $811K |
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 | 35,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 688 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 44 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 35,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 2,568 | $25.2M |
| Dental(6 contracts, 5 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 30,126 | $17.6M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE, ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 55,682 | $2.0M |
| Life insurance(6 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 29,680 | $20.3M |
| Short-term disability(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 29,680 | $20.3M |
| Long-term disability(6 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 29,680 | $20.8M |
| Other(11 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 29,680 | $23.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,682 | — |
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."
No prospect flags tripped on this filing.