| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PKWY SUITE 500 KANSAS CITY, MO 641143348 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 0.92% |
| JAS D COLLIER & CO3 | 606 S. MENDENHALL ROAD SUITE 200 MEMPHIS, TN 381174241 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 0.41% |
| CLJM LLC DBA HM BENEFITS3 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 631051643 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAINS PROCESSING | Claims processing Service code 12 | — | $72K |
| COLLIER INSURANCE EIN 62-0632599 BROKER | Other commissions Service code 55 | 606 S. MENDENHALL #200 MEMPHIS, TN 38117 | $29K |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 319 | $4.0M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 317 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.