| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COHN CONSULTING & SERVICES INC3 | 6900 COLLEGE BLVD STE 870 OVERLAND PARK, KS 662111843 | NATIONAL FILE INSURANCE COMPANY | $11 | $3 | $14 | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CPI QUALIFIED PLAN CONSULTANTS, INC EIN 48-1205033 NONE | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Sub-transfer agency fees; Recordkeeping fees Service code 12 | — | $62K |
| CROSSROADS FINANCIAL MANAGEMENT NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 13715 W, 109TH STREET, SUITE 110 LENEXA, KS 66215 | $43K |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 230 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NATIONAL FILE INSURANCE COMPANY | 6 | $339 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.