| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL PARTNERS INC3 Filed as: FINANCIAL PARTNERS, INC. | 1801 EAST BRISTOL STREET ELKHART, IN 46514 | RELIANCE MATRIX | $11K | — | $11K | 5.55% |
| MGIS3 | 95 S STATE STREET, SUITE 650 SALT LAKE CITY, UT 841111630 | RELIANCE MATRIX | — | $75 | $75 | 0.04% |
| FINANCIAL PARTNERS INC3 Filed as: FINANCIAL PARTNERS, INC. | 1801 EAST BRISTOL STREET ELKHART, IN 46514 | RELIANCE MATRIX | $10K | — | $10K | 7.42% |
| MGIS3 | 95 S STATE STREET, SUITE 650 SALT LAKE CITY, UT 841111630 | RELIANCE MATRIX | — | $75 | $75 | 0.05% |
| FINANCIAL PARTNERS INC3 Filed as: FINANCIAL PARTNERS, INC. | 1801 EAST BRISTOL STREET ELKHART, IN 46514 | HEALTH RESOURCES INC. | $12K | — | $12K | 10.00% |
| FINANCIAL PARTNERS INC3 Filed as: FINANCIAL PARTNERS, INC. | 1801 EAST BRISTOL STREET ELKHART, IN 465143966 | VISION SERVICE PLAN | $1K | — | $1K | 4.66% |
| FINANCIAL PARTNERS INC3 Filed as: FINANCIAL PARTNERS, INC. | 1801 EAST BRISTOL STREET ELKHART, IN 46514 | HEALTH RESOURCES INC. | $3K | — | $3K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 266 | 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. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES INC. | 134 | $148K |
| Vision | VISION SERVICE PLAN | 190 | $31K |
| Life insurance(2 contracts) | RELIANCE MATRIX | 266 | $327K |
| Short-term disability(2 contracts) | RELIANCE MATRIX | 266 | $327K |
| Long-term disability(2 contracts) | RELIANCE MATRIX | 266 | $327K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE CO. | 193 | $246K |
| Other | RELIANCE MATRIX | 266 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.