| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE CROHN LLC3 Filed as: BRUCE HARRIS | 11416 ROYALSHIRE DRIVE #100 DALLAS, TX 75230 | OPTUM-UNIMERICA | $101K | — | $101K | 21.09% |
| SIGNIFICA BENEFIT SERVICES, INC.3 Filed as: SIGNIFICA BENEFIT SERVICES | 118 WEST AIRPORT ROAD, PO. BOX 7777 LITITZ, PA 17543 | OPTUM-UNIMERICA | $24K | $0 | $24K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENT FIDUCIARY SERVICES LLC. EIN 82-2870895 TRUSTEE | Trustee (individual) Service code 20 | 8460 TYCO ROAD SUITE E VIENNA, VA 22182 | $54K |
| RUBINO & COMPANY, CHARTERED EIN 52-1186096 AUDITOR | Accounting (including auditing) Service code 10 | 6903 ROCKLEDGE DR BETHESDA, MD 20817 | $13K |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED HEALTHCARE INSURANCE COMAPANY | 344 | $60K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMAPANY | 344 | $60K |
| Stop-loss / reinsurancereinsurance | OPTUM-UNIMERICA | 349 | $479K |
| Other | OPTUM-UNIMERICA | 349 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.