| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.5 | 1650 E. BATTLEFIELD SPRINGFIELD, MO 65804 | GREENWICH INSURANCE COMPANY | $14K | $0 | $14K | 13.63% |
| MED-PAY, INC.5 | 1650 E. BATTLEFIELD SPRINGFIELD, MO 65804 | GREENWICH INSURANCE COMPANY | $9K | $0 | $9K | 13.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED-PAY, INC. EIN 43-1318969 3RD PARTY ADMINISTRATOR | Claims processing Service code 12 | 1650 E. BATTLEFIELD SPRINGFIELD, MO 65804 | $17K |
| MEDTRAK SERVICES EIN 36-4221427 PRESCRIPTION ADMINISTRATO | Claims processing Service code 12 | 10895 LOWELL AVE. SUITE 100 OVERLAND PARK, KS 66210 | $0 |
| UCS HOLDINGS, INC. EIN 81-5149270 PPO ADMINISTRATOR | Claims processing Service code 12 | 23048 N. 15TH AVE. PHOENIX, AZ 85027 | $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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | GREENWICH INSURANCE COMPANY | 103 | $168K |
| Stop-loss / reinsurancereinsurance(2 contracts) | GREENWICH INSURANCE COMPANY | 103 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.