| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | HCC LIFE INSURANCE COMPANY | $111K | — | $111K | 12.98% |
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 6.77% |
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | EYE MED | $6K | — | $6K | 11.11% |
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 35.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED-PAY, INC. EIN 43-1318969 CONTRACT ADMINISTRATOR | Insurance brokerage commissions and fees; Contract Administrator Service code 13 | — | $147K |
| UCS HOLDINGS INC EIN 81-5149270 PPO NETWORK ACCESS FEE | Other fees Service code 99 | — | $47K |
| MERCY CORPORATE HEALTH & WELLNESS WELLNESS COORDINATOR | Other fees Service code 99 | 3265 S NATIONAL SUITE 115 SPRINGFIELD, MO 65807 | $42K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 COUNSELING | Other fees Service code 99 | — | $33K |
| FITNESS WORKS, LLC PERSONAL TRAINER | Other fees Service code 99 | 210 N CEDARBROOK AVE SPRINGFIELD, MO 65802 | $17K |
| MERCY HEALTH SPRINGFIELD COMMUNITIE EIN 43-1856028 ONLINE DOCTOR | Other fees Service code 99 | — | $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 | 1,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 910 | $53K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,221 | $255K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,221 | $255K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,027 | $853K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,221 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.