| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE PARTNERS CORP3 | 8670 W CHEYENNE AVE 120 LAS VEGAS, NV 89129 | UNIVERSAL FIDELITY LIFE INSURANCE | $57K | — | $57K | 15.46% |
| MEDOVA HEALTHCARE4 | 345 N RIVERVIEW ST SUITE 600 WICHITA, KS 67203 | UNIVERSAL FIDELITY LIFE INSURANCE | — | $52K | $52K | 13.97% |
| MIKE KEITH3 | 103 W FRANKLIN CLINTON, MO 64735 | UNIVERSAL FIDELITY LIFE INSURANCE | $34K | — | $34K | 9.19% |
| FIRST HEALTH5 | 23291 NETWORK PLACE CHICAGO, IL 606731232 | UNIVERSAL FIDELITY LIFE INSURANCE | — | $6K | $6K | 1.54% |
| MEDCOM UTILIZATION MANAGEMENT5 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | UNIVERSAL FIDELITY LIFE INSURANCE | — | $2K | $2K | 0.56% |
| BASTON MIKE KEITH INS A DVISIO3 | 103 W FRANKLIN CLINTON, MO 64735 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.84% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4550 W 109TH ST STE 300 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 6.06% |
No Schedule C service providers reported on this filing.
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 | 146 | 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. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $44K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $44K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $4K |
| Stop-loss / reinsurancereinsurance | UNIVERSAL FIDELITY LIFE INSURANCE | 95 | $370K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.