| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS LLC | 680 HAWTHORNE AVE SW #140 SALEM, OR 97301 | HARTFORD LIFE AND ACCIDENT | -$2K | — | -$2K | -45.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTINENTAL BENEFITS EIN 33-3919227 NONE | Other insurance fees and expenses; Other fees Service code 73 | — | $88K |
| AETNA EIN 59-1031071 NONE | Other fees Service code 99 | — | $63K |
| AVANTE EIN 77-0502898 NONE | Other fees Service code 99 | — | $11K |
| AMPS EIN 20-2149357 NONE | Other fees Service code 99 | — | $11K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Other fees Service code 99 | — | $10K |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 563 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 467 | $43K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 341 | $387K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 467 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.