| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A BLESSINGER AGY LLC3 Filed as: JAMES A. BLESSINGER AGENCY, LLC | PO BOX 549 JASPER, IN 475470549 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 16.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BUSINESS SOLUTIONS EIN 36-4099199 THIRD PARTY ADM. | Direct payment from the plan; Claims processing; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Participant communication; Investment advisory (plan); Plan Administrator; Insurance services; Consulting (general) Service code 10 | — | $42K |
| HEALTHSMART CARE MANAGEMENT EIN 44-4172211 UR FEE MANAGER | Other fees Service code 99 | — | $4K |
| PHCS EIN 04-3138814 AUDITOR | Other fees Service code 99 | — | $196 |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $34K |
| Prescription drug | UNDERWRITING MANAGEMENT EXPERTS, LLC | 177 | $234K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS, LLC | 177 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
No prospect flags tripped on this filing.