No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP INC EIN 20-0188125 NONE | Plan Administrator Service code 14 | — | $571K |
| HMC COMPANIES EIN 75-3189468 NONE | Other services Service code 49 | — | $175K |
| WELLS FARGO NONE | Custodial (securities) Service code 19 | P.O. BOX 20160 LONG BEACH, CA 90801 | $103K |
| DELTA DENTAL OF WI EIN 39-6094742 NONE | Claims processing Service code 12 | — | $102K |
| EMPLOYEE FRINGES AUDIT COMPANY EIN 42-1122328 NONE | Accounting (including auditing) Service code 10 | — | $82K |
| DOUGLAS J. REED EIN 45-2802820 NONE | Legal Service code 29 | — | $43K |
| JAMES V GALLERY & ASSOCIATES EIN 20-0188135 NONE | Consulting (general) Service code 16 | — | $37K |
| CATAMARAN EIN 11-2581812 NONE | Claims processing Service code 12 | — | $36K |
| LWBJ, LLP EIN 42-1462849 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| O'SULLIVAN ASSOCIATES INC. EIN 20-8199367 NONE | Actuarial Service code 11 | — | $10K |
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 | 2,771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 504 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 3,327 | $20.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,327 | — |
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 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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.