| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1736 E SUNSHINE SUITE 200 SPRINGFIELD, MO 65804 | SYMETRA LIFE INSURANCE COMPANY | $23K | — | $23K | — |
| THE INSURANCE SHOP INC3 Filed as: THE INSURANCE SHOP, LLC | 3809 SOUTH PROVIDENCE STE A COLUMBIA, MO 65203 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 22-0832760 LIFE INSURER | Other fees Service code 99 | PO BOX 2649 OMAHA, NE 68103 | $112K |
| GROUP BENEFIT SERVICES EIN 43-1770779 CLAIMS ADMIN/BROKER | Other fees Service code 99 | 1736 E SUNSHINE SUITE 200 SPRINGFIELD, MO 65804 | $91K |
| PHCS/MULTIPLAN EIN 13-3068979 PPO NETWORK | Other fees Service code 99 | 3345 MICHELSON DRIVE STE 200 IRVINE, CA 92612 | $61K |
| HEALTHLINK OPEN ACCESS II EIN 43-1364135 PPO NETWORK | Other fees Service code 99 | 1000 W NIFONG BLDG 3, STE 200 COLUMBIA, MO 65203 | $18K |
| ZELIS CLAIMS INTEGRITY INC LLC EIN 86-1040704 PPO NETWORK | Other fees Service code 99 | PO BOX 412162 BOSTON, ME 02241 | $15K |
| ADVANCED MEDICAL PRICING SOLUTIONS EIN 20-2149357 PPO NETWORK | Other fees Service code 99 | PO BOX 921695 NORCROSS, GA 30010 | $14K |
| MANAGED CARE CONCEPTS EIN 86-0799129 UTILIZATION REVIEW | Other fees Service code 99 | 4795 JACKSON SQUARE CONROE, TX 77304 | $10K |
| NOVANET EIN 58-2106226 DENTAL NETWORK | Other fees Service code 99 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | $8K |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Dental | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Vision | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 327 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.