| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1736 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65804 | GERBER LIFE INSURANCE | $11K | $59K | $70K | — |
| NAUGHT-NAUGHT AGENCY3 | 1441 CHRISTY DRIVE PO BOX 1768 JEFFERSON CITY, MO 65102 | GERBER LIFE INSURANCE | $22K | — | $22K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SERVICES EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 1736 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65804 | $59K |
| HEALTHLINK OA II EIN 43-1364135 PPO NETWORK | Other fees Service code 99 | 1000 WEST NIFONG BUILDING 3, SUITE COLUMBIA, MO 65203 | $12K |
| PHCS / MULTIPLAN EIN 13-3068979 PPO NETWORK | Other fees Service code 99 | 3345 MICHELSON DRIVE, SUITE 200 IRVINE, CA 92612 | $10K |
| ADVANCED MEDICAL PRICING SOLUTIONS EIN 20-2149357 PPO NETWORK | Other fees Service code 99 | PO BOX 921695 NORCROSS, GA 30010 | $8K |
| MANAGED CARE CONCEPTS EIN 86-0799129 MEDICAL REVIEW | Other fees Service code 99 | 416 DONNELL ORANGE, TX 77304 | $8K |
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 | 244 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE | 244 | $0 |
| Prescription drug | GERBER LIFE INSURANCE | 244 | $0 |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 244 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.