| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INSURANCE SERVICES INC. | 101 W ANAPAMU, THIRD FLOOR SANTA BARBARA, CA 93101 | COMPANION LIFE COLUMBIA, SC | $39K | — | $39K | 10.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS ST #G BENICIA, CA 94510 | COMPANION LIFE COLUMBIA, SC | $20K | — | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA HEALTH SYSTEMS EIN 94-2353289 NONE | Contract Administrator Service code 13 | — | $70K |
| DIGITAL INSURANCE COMPANY EIN 58-2522668 NONE | Insurance agents and brokers Service code 22 | — | $26K |
| HST TECHNOOGY EIN 27-1818792 NONE | Contract Administrator Service code 13 | — | $18K |
| MULTIPLAN EIN 13-3068979 NONE | Plan Administrator Service code 14 | — | $11K |
| MEDWATCH EIN 16-1662117 NONE | Contract Administrator Service code 13 | — | $9K |
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 | 427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE COLUMBIA, SC | 432 | $391K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA, SC | 432 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.