| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WYOMING FINANCIAL INSURANCE | PO BOX 130 CASPER, WY 82601 | VISION SERVICE PLAN | — | $894 | $894 | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WYOMNG HEALTH FAIRS NONE | Other fees Service code 99 | 611 E CARLSON CHEYENNE, WY 82009 | $69K |
| WYOMMING FINANCIAL ISURANCE ADMINISTRATION | Insurance brokerage commissions and fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 400 EAST 1ST SUITE 105 CASPER, WY 82601 | $30K |
| CONNECTICUT GENERAL LIFE ADMINISTRATION | Claims processing; Plan Administrator Service code 12 | — | $20K |
| HEALTHIESTYOU | Consulting (general) Service code 16 | — | $17K |
| LEO RILEY AND COMPANY NONE | Accounting (including auditing) Service code 10 | 141 SOUTH CENTER 200 CASPER, WY 82601 | $15K |
| ANTON COLLINS MITCHELL | Accounting (including auditing) Service code 10 | 505 SOUTH 3RD STREET LARAMIE, WY 82070 | $11K |
| ALLEGIANT CARE MANAGEMENT ADMINISTRATION | Contract Administrator; Plan Administrator; Consulting (general); Claims processing Service code 12 | — | $11K |
| DELTA DENTAL OF WYOMING EIN 83-0209667 ADMINISTRATION | Accounting (including auditing) Service code 10 | — | $10K |
| COVENANT INSRUANCE GROUP ADMINISTRATION | Accounting (including auditing) Service code 10 | 732 WEST COLLINS CASPER, WY 82601 | $8K |
| CAREOPERATVIE LLC ADMINISTRATION | Claims processing; Plan Administrator Service code 12 | — | $6K |
| ALLEGIANT BENEFIT PLAN MANAGEMENT EIN 81-0400550 ADMINISTRATION | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
| BENEFIT ADMINISTRATORS ADMINISTRATION | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 400 EAST 1ST SUITE 105 CASPER, WY 82601 | $0 |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WYOMING | 215 | $10K |
| Vision | VISION SERVICE PLAN | 206 | $58K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 247 | $844K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.