| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | HCC LIFE INSURANCE COMPANY | $102K | — | $102K | 16.27% |
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 11.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED-PAY, INC. EIN 43-1318969 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $137K |
| MERCY CORPORATE HEALTH & WELLNESS WELLNESS COORDINATOR | Other fees Service code 99 | 3265 S NATIONAL SUITE 115 SPRINGFIELD, MO 65807 | $41K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 COUNSELING | Other fees Service code 99 | — | $29K |
| FITNESS WORKS, LLC PERSONAL TRAINER | Other fees Service code 99 | 210 N CEDARBROOK AVE SPRINGFIELD, MO 65802 | $18K |
| CONNECTICUT GENERAL LIFE INSURANCE TRANSPLANT NETWORK ACCESS | Other fees Service code 99 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $14K |
| PAY.GOV TRANSITIONAL REINSURANCE | Other fees Service code 99 | — | $10K |
| PREMIER HEALTHCARE EXCHANGE EIN 27-2962558 PPO NETWORK ACCESS | Other fees Service code 99 | — | $9K |
| MERCY MANAGED CARE HEALTHCARE PROVIDER | Other fees Service code 99 | 3265 S. NATIONAL, SUITE 2 SPRINGFIELD, MO 65807 | $6K |
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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 993 | $185K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 993 | $185K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 895 | $627K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 993 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.