| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERV | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE | $727 | $45K | $46K | 2.96% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL | 1402 NORTH CAPITOL AVE STE 400 INDIANAPOLIS, IN 46202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT EIN 42-1426202 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 424 1ST AVE NE CEDAR RAPIDS, IA 52401 | $597K |
| AMERITAS EIN 47-0098400 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 81889 LINCOLN, NE 68501 | $132K |
| VSP EIN 06-1227840 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 742788 LOS ANGELES, CA 90074 | $58K |
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 | 5,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE | 4,255 | $1.5M |
| Long-term disability | SYMETRA LIFE INSURANCE | 4,255 | $1.5M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE | 4,255 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,255 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.