| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 4386 MISSOULA, MT 59806 | THE HARTFORD | $13K | — | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OR PRUSSIA, PA 19406 | THE HARTFORD | — | $3K | $3K | 3.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DWS HOLDINGS DBA PINNACLE PEAK ADM. EIN 45-3763152 ADMIN/PROGRAM MANAGEMENT | Contract Administrator Service code 13 | — | $98K |
| S&S HEALTHCARE EIN 31-1418743 CLAIMS, NETWORK | Insurance services; Claims processing Service code 12 | — | $92K |
| MARSH & MCLENNAN AGENCY PRODUCER | Insurance agents and brokers Service code 22 | 390 BRADLEY BLVD RICHLAND, WA 99352 | $60K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0009840 ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
| HEALTHCARE CONSULTANT GROUPS EIN 99-2897568 GENERAL AGENT | Insurance agents and brokers Service code 22 | — | $12K |
| WALMART HEALTH EIN 71-0415188 TELEHEALTH SERVICES | Insurance services Service code 23 | — | $6K |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 138 | $85K |
| Long-term disability | THE HARTFORD | 138 | $85K |
| Other | THE HARTFORD | 138 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.