| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH | 111 SE THIRD ST SUITE 404 EVANSVILLE, TN 47708 | HCC LIFE INSURANCE COMPANY | $609 | — | $609 | 0.25% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.40% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | MUTUAL OF OMAHA | $28K | $10K | $38K | 29.09% |
| EMPLOYEE BENEFIT DESIGN LLC | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | NATIONAL GUARDIAN LIFE INSURANCE | $3K | — | $3K | 10.00% |
| MERITAIN HEALTH3 | 111 SE THIRD ST SUITE 404 EVANSVILLE, TN 47708 | MERITAIN HEALTH | — | $97K | $97K | — |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 199 | $0 |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 477 | $132K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 153 | $32K |
| Life insurance | MUTUAL OF OMAHA | 231 | $130K |
| Short-term disability | MUTUAL OF OMAHA | 231 | $130K |
| Long-term disability | MUTUAL OF OMAHA | 231 | $130K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 205 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.