| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JMW MARKETING INC.3 Filed as: JMW MARKETING INC./EBS | 3000 COUNTY ROAD 42W SUITE 203 BURNSVILLE, MN 55337 | COMPREHENSIVE CARE SERVICES INC. | $9K | $136K | $145K | 49.82% |
| JMW MARKETING INC. Filed as: JMW MARKETING INC./EBS | 3000 COUNTY ROAD 42W SUITE 203 BURNSVILLE, MN 55337 | RELIANCE STANDARD LIFE INS. COMPANY | $3K | — | $3K | 6.07% |
| JMW MARKETING INC.3 Filed as: JMW MARKETING INC./EBS | 3000 COUNTY ROAD 42 WEST STE 203 BURNSVILLE, MN 55337 | RELIANCE STANDARD LIFE INS. COMPANY | $3K | $501 | $4K | 18.89% |
| GROUP SOLUTIONS LLC5 | 2501 COPPER CREEK LANE BUFFALO, MN 55313 | RELIANCE STANDARD LIFE INS. COMPANY | — | $2K | $2K | 8.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPREHENSIVE CARE SERVICES INC. EIN 41-1427596 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1200 YANKEE DOODLE ROAD SAINT PAUL, MN 55121 | $291K |
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 | 666 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPREHENSIVE CARE SERVICES INC. | 667 | $291K |
| Dental | RELIANCE STANDARD LIFE INS. COMPANY | 264 | $18K |
| Vision | RELIANCE STANDARD LIFE INS. COMPANY | 398 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INS. COMPANY | 650 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INS. COMPANY | 650 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.