| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | P.O. BOX 8950 MADISON, WI 53708 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST., STE. B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 7.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Contract Administrator Service code 13 | — | $227K |
| M3 INSURANCE SOLUTIONS, INC. EIN 39-1141360 NONE | Insurance agents and brokers Service code 22 | — | $115K |
| ANTHEM LIFE INSURANCE COMPANY EIN 35-0980405 NONE | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $114K |
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | — | $36K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | — | $30K |
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 | 1,022 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 294 | $229K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 294 | $229K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 294 | $229K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE COMPANY | 775 | $467K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 294 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.