| 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 | $87K | $0 | $87K | 23.18% |
| SIGNIFICA BENEFIT SERVICES, INC.3 Filed as: SIGNIFICA BENEFIT SERVICES | 118 WEST AIRPORT ROAD, PO. BOX 7777 LITITZ, PA 17543 | OPTUM-UNIMERICA | $19K | $0 | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENT FIDUCIARY SERVICES LLC. EIN 82-2870895 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 8460 TYCO ROAD SUITE E VIENNA, VA 22182 | $54K |
| CITRIN, COOPERMAN & COMPANY, LLP EIN 22-2428965 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 2 BETGESDA METRO CENTER, 11TH FLOOR BETHESDA, MD 20184 | $18K |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITEDHEALTHCARE INSURANCE COMAPANY | 317 | $52K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMAPANY | 317 | $52K |
| Stop-loss / reinsurancereinsurance | OPTUM-UNIMERICA | 343 | $377K |
| Other(2 contracts, 2 carriers) | OPTUM-UNIMERICA | 343 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.