| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DRIVE STE 350 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 4.55% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 4.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 851 SW 6TH AVE STE 385 PORTLAND, OR 972041339 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $77 | $4K | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIS HEALTH SYSTEM, INC EIN 81-0232122 EMPLOYER | Contract Administrator; Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $333K |
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 36-1236610 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $220K |
| WELLS FARGO BANK EIN 94-1347393 N/A | Account maintenance fees; Direct payment from the plan Service code 50 | — | $40K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
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 | 1,798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 7,135 | $21.7M |
| Dental | BLUE CROSS BLUE SHIELD | 7,135 | $21.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,621 | $164K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 7,135 | $21.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.