| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COVENANT INSURANCE GROUP, INC.3 Filed as: COVENANT INSURANCE GROUP | 732 W COLLINS DR CASPER, WY 82601 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $65K |
| WYOMING HEALTH FAIRS NONE | Other fees Service code 99 | 611 E CARLSON ST CHEYENNE, WY 82009 | $31K |
| BENEFIT ADMINISTRATORS ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 732 W COLLINS DR CASPER, WY 82601 | $26K |
| DELTA DENTAL OF WYOMING EIN 83-0209667 ADMINISTRATION | Claims processing Service code 12 | — | $21K |
| COVENANT INSURANCE GROUP ADMINISTRATION | Insurance agents and brokers Service code 22 | 732 W COLLINS DR CASPER, WY 82601 | $19K |
| LIVE WELL SOLUTIONS NONE | Other fees Service code 99 | 1100 19TH AVENUE NORTH #155 FARGO, ND 58102 | $14K |
| ACM LLP EIN 01-7245563 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| STARPOINT, LLC EIN 03-0507057 CASE MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $5K |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 213 | $60K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 250 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.