| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | UNDERWRITING MANAGEMENT EXPERTS | $15K | — | $15K | 14.05% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 3810 E. SUNSHINE ST, STE 200 SPRINGFIELD, MO 65809 | UNDERWRITING MANAGEMENT EXPERTS | $5K | — | $5K | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UME / GERBER EIN 47-1806580 STOP LOSS INS CARRIER | Other fees Service code 99 | 900 FORTY FOOT ROAD LANDSDALE, PA 19446 | $109K |
| GROUP BENEFIT SERVICES, INC. EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Account maintenance fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Claims processing; Insurance brokerage commissions and fees Service code 12 | 3810 E. SUNSHINE STREET, SUITE 200 SPRINGFIELD, MO 65809 | $38K |
| ACRISURE WALLSTREET PARTNERS, LLC EIN 37-1846319 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | $15K |
| DREXI, INC. EIN 46-4488538 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 2700 N. CENTRAL AVENUE, SUITE 1110 PHOENIX, AZ 85004 | $12K |
| THE PHIA GROUP, LLC EIN 04-3504115 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | P.O. BOX 499 CANTON, MA 02021 | $9K |
| HEALTHLINK, INC. EIN 43-1364135 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 1000 W NIFONG BUILDING 3, SUITE 200 COLUMBIA, MO 65203 | $7K |
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 | 66 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNDERWRITING MANAGEMENT EXPERTS | 66 | $108K |
| Prescription drug | UNDERWRITING MANAGEMENT EXPERTS | 66 | $108K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS | 66 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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.