| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTER-AMERICAS INSURANCE CORP, INC3 | 1035 S 183RD ST WEST GODDARD, KS 67052 | HCC LIFE INSURANCE COMPANY | $63K | — | $63K | 10.00% |
| RISK & INSURANCE CONSULTING SERVICE3 | 5500 LILBURN STONE MOUNTAIN RD SUITE B STONE MOUNTAIN, GA 30087 | HCC LIFE INSURANCE COMPANY | $32K | — | $32K | 5.00% |
| OOSI3 | 1 NW OOIDA DRIVE GRAIN VALLEY, MO 64029 | PURITAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 19.68% |
| BRUCE WELNER3 | 818 BARE BRANCH AVENUE LAS VEGAS, NV 89123 | PURITAN LIFE INSURANCE COMPANY OF AMERICA | $342 | — | $342 | 4.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERRED HEALTH PROFESSIONAL EIN 20-1665464 NONE | Direct payment from the plan Service code 50 | 9393 W 110TH STE 200 OVERLAND PARK, KS 66210 | $1.0M |
| LEEHAR DISTRIBUTORS, LLC EIN 81-3741657 NONE | Direct payment from the plan Service code 50 | 701 EMERSON ROAD STE 301 CREVE COEUR, MO 63141 | $300K |
| LEEHAR DISTRIBUTORS INC EIN 43-0912223 NONE | Direct payment from the plan Service code 50 | 701 EMERSON RD STE 301 CREVE COEUR, MO 63141 | $241K |
| UCS HOLDINGS. INC. EIN 81-5149270 NONE | Direct payment from the plan Service code 50 | 23048 N 15TH AVE PHOENIX, AZ 85027 | $105K |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PURITAN LIFE INSURANCE COMPANY OF AMERICA | 330 | $7K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 311 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.