| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $23K | — | $23K | 9.75% |
| DIETRICH & ASSOCIATES Filed as: DIETRICH AND ASSOCIATES | 1000 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | $17K | — | $17K | 7.06% |
| AMWINS5 | 50 WHITECAP DRIVE NORTHKINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $9K | — | $9K | 3.89% |
| DIETRICH & ASSOCIATES Filed as: DIETRICH AND ASSOCIATES | 1000 GERMANTOWN PIKE SUITE K-1 PLYMOUTH MEETING, PA 19462 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $6K | — | $6K | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIFTH THIRD BANK EIN 31-1051736 NONE | Direct payment from the plan Service code 50 | — | $12K |
| BRENT D. SHEA, CPA EIN 47-2378381 NONE | Direct payment from the plan Service code 50 | 133 W. MAIN ST. MORENCI, MI 49256 | $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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INS. CO. MEDICARE SUPPLEMENT | 108 | $239K |
| Prescription drug | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | 99 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.