| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAUGHT-NAUGHT AGENCY3 | 3928 SOUTH PROVIDENCE ROAD STE 9000 COLUMBIA, MO 652034523 | — | $46K | $0 | $46K | 17.30% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1763 E SUNSHINE SERVICES SUITE 200 SPRINGFIELD, MO 658044523 | — | $13K | $0 | $13K | 5.01% |
| COLLIER INSURANCE3 | 606 SOUTH MENDENHALL STE 9000 MEMPHIS, TN 381174523 | — | $8K | $0 | $8K | 3.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EAST COAST UNDERWRITERS EIN 26-0067491 INSURANCE CARRIER | Insurance services Service code 23 | PO BOX 2468 SPARTANBURG, SC 29304 | $266K |
| BIG TREE MEDICAL HOME, LLC EIN 82-2338518 PRIMARY CARE PROVIDER | Other fees Service code 99 | 200 SOUTHAMPTON STE 103 COLUMBIA, MO 65203 | $119K |
| GROUP BENEFIT SERVICES EIN 43-1770779 BROKER | Other fees Service code 99 | 1736 E SUNSHINE SUITE 200 SPRINGFIELD, MO 65804 | $77K |
| RELIANCE STANDARD LIFE INSURANCE EIN 36-0883760 LIFE INSURER | Other fees Service code 99 | PO BOX 3124 SOUTHEASTERN, PA 19398 | $64K |
| NAUGHT-NAUGHT AGENCY EIN 43-0996241 BROKER | Other fees Service code 99 | 3928 SOUTH PROVIDENCE ROAD COLUMBIA, MO 65208 | $46K |
| HEALTHLINK OPEN ACCESS II EIN 43-1364135 PPO NETWORK | Other fees Service code 99 | 100 WEST NIFONG BUILDING 3, SUITE 200 COLUMBIA, MO 65203 | $14K |
| COLLIER INSURANCE EIN 63-0632599 BROKER | Other fees Service code 99 | 606 SOUTH MENDENHALL MEMPHIS, TN 38117 | $8K |
| PHCS MULTIPLAN EIN 13-3068976 PPO NETWORK | Other fees Service code 99 | 3345 MICHELSON DR. STE 200 IRVINE, CA 92612 | $8K |
| MANAGED CARE CONCEPTS EIN 86-0799129 REVIEW | Other fees Service code 99 | 193 INTERSTATE 45 SOUTH STE D #601 HUNTSVILLE, TX 77340 | $6K |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 187 | $266K | |
| Dental | 187 | $266K | |
| Vision | 187 | $266K | |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.