| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 | 315 MONTGOMERY ST STE 900 SAN FRANCISCO, CA 94104 | HCC LIFE INSURANCE COMPANY | $58K | — | $58K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS EIN 91-0680697 NONE | Direct payment from the plan; Contract Administrator; Accounting (including auditing) Service code 10 | — | $575K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $234K |
| PROPEL INSURANCE EIN 90-0830024 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan; Consulting (general) Service code 16 | — | $60K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Insurance services; Other services; Direct payment from the plan Service code 23 | — | $53K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $50K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Investment management; Direct payment from the plan Service code 28 | — | $34K |
| MILLER KAPLAN EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| WELLS FARGO EIN 94-1347393 NONE | Custodial (securities); Investment management; Direct payment from the plan Service code 19 | — | $16K |
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 | 774 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY OF NEW YORK | 137 | $607K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 767 | $61K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 767 | $61K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 870 | $831K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.