| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTINE SCHEER3 | 515 ROBERT DANIEL DR APT 3311 DANIEL ISLAND, SC 29492 | DELTA DENTAL OF OHIO | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARPAI ADMINISTRATORS EIN 38-3919227 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $220K |
| AETNA LIFE INSURANCE EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $138K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $24K |
| PHIA GROUP CONSULTING EIN 46-1439866 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $23K |
| AMERICAN HEALTHCARE ALLIANCE EIN 01-0660339 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| MDLIVE EIN 45-4937055 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $4K |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 668 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,546 | $482K |
| Life insurance | SECURIAN | 2,485 | $904K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE | 975 | $282K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | XCHANGE BENEFITS | 776 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,485 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.