| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECHELON GROUP INC3 Filed as: ECHELON GROUP | 408 E. PARKCENTER BLVD, SUITE 330 BOISE, ID 83706 | COMPANION LIFE INSURANCE COMPANY | $48K | — | $48K | 1.04% |
| COBECON3 | 11755 E PEAK VIEW AVE, SUITE 250 ENGLEWOOD, CO 80111 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 0.39% |
| EMPLOYEE BENEFIT MGMT SERVICES LLC3 Filed as: EMPLOYEE BENEFIT MANAGEMENT SERVICE | PO BOX 21367 BILLINGS, MT 59104 | COMPANION LIFE INSURANCE COMPANY | — | $8K | $8K | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 CASE MANAGEMENT | Other fees; Contract Administrator Service code 13 | PO BOX 21367 BILLINGS, MT 59104 | $152K |
| PACIFICSOURCE ADMINISTRATORS EIN 30-0140934 ADMIN FEES | Contract Administrator Service code 13 | 13010 SW 68TH PARKWAY, SUITE 140 PORTLAND, OR 97223 | $45K |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 548 | $4.6M |
| Vision | COMPANION LIFE INSURANCE COMPANY | 548 | $4.6M |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 548 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.