Any efforts RB Lewis Insurance Agents & Brokers hasmade to educate its group benefits clients could influence how theincoming Trump administration approaches insurance and benefitsissues.

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Related: Medical stop-loss insurance is trending up

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The Mineola, New York-based benefits firm has helped provide theinsurance for the benefit plans Donald Trump's main, New YorkCity-based company offers its employees.

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RB Lewis set up a stop-loss insurance arrangement for thepresident-elect's Trump Payroll Corp. in 2013, according to areview of the plan's 2013 Form 5500 filing. The same benefits firmhas also helped Trump Payroll with other types of insurancebenefits, such as group long-term care insurance.

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Benefit plan sponsors use Form 5500 filings to report on theiractivities to the Internal Revenue Service and the U.S. Departmentof Labor. Trump company Form 5500 filings and other companies' Form5500 filings are available on the website of FreeErisa.BenefitsPro.com. (Users have to sign upfor accounts to get access to the filings, but basic accounts arefree.)

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Efforts to reach Trump Payroll, RB Lewis and Donald Bender, theWoodbury, New York, accountant who signed the Trump Payroll filingsreviewed were not successful. But Trump Payroll appears to be theentity that handles employee benefits for Donald Trump's maincompany, the Trump Organization.

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Related: Trump now wants to keep popular Obamacareprovisions, scrap rest

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In the state company registration database,both the Trump Organization and Trump Payroll list their mainaddress as 725 Fifth Ave, New York City, and both list Donald Trumpas a contact person.

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Related: What comes after the ACA?

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The Trump Payroll Corp. Health Benefit Plan reported that it wasa multiple-employer plan that had 100 participants at thebeginning of its plan year and 95 at the end.

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For some purposes, the federal government has defined a "smallemployer" to be an employer with 50 or fewer employees.

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For other purposes, including Affordable Care Act compliance,the government has set, or tried to set, the cutoff, at 100employees.

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The fact that, at least in 2013, Trump Payroll was near thecutoff could mean that Donald Trump, or at least his closestbenefits advisor, is acutely aware of the concerns of employersnear the cutoff.

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Trump and his benefits advisors could also be sensitive to theconcerns of sponsors of small self-insured plans.

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The Trump Payroll health plan used its general assets to fundthe coverage.

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The plan used stop-loss coverage from HCC Life, a unit ofTokyo-based Tokio Marine, to protect Trump Payroll against the riskof catastrophic losses.

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Trump Payroll paid $15,145 in commissions to RB Lewis, and itpaid $236,904 in premiums to HCC Life.

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The payroll company paid UMR, a unit of Minnetonka,Minnesota-based UnitedHealth Group, $65,575 to process claims.

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Allison Bell

Allison Bell, ThinkAdvisor's insurance editor, previously was LifeHealthPro's health insurance editor. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached at [email protected] or on Twitter at @Think_Allison.