| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS, LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | UNDERWRITING MANAGEMENT EXPERTS, LLC | $18K | — | $18K | 13.78% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC | 3810 E SUNSHINE ST STE 200 SPRINFIELD, MO 65809 | UNDERWRITING MANAGEMENT EXPERTS, LLC | $7K | — | $7K | 4.92% |
| 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 | $133K |
| GROUP BENEFIT SERVICES, INC EIN 43-1770779 BROKER | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Claims processing; Insurance brokerage commissions and fees; Account maintenance fees Service code 12 | 3810 SUNSHINE ST, STE 200 SPRINGFIELD, MO 65809 | $36K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 29742 NETWORK PLACE CHICAGO, IL 60673 | $18K |
| ACRISURE WALLSTREET PARTNERS, LLC EIN 37-1846319 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | $18K |
| PHIA EIN 04-3504115 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | PO BOX 449 CANTON, MA 02021 | $9K |
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 | 85 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNDERWRITING MANAGEMENT EXPERTS, LLC | 85 | $133K |
| Prescription drug | UNDERWRITING MANAGEMENT EXPERTS, LLC | 85 | $133K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS, LLC | 85 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.
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.