| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | HCC LIFE INSURANCE COMPANY | $128K | — | $128K | 12.99% |
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | AMERICAN UNITED LIFE INSURANCE COMPANY | $57K | — | $57K | 15.39% |
| MED-PAY, INC.3 | P.O. BOX 10909 SPRINGFIELD, MO 658081600 | EYE MED | $12K | — | $12K | 11.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED-PAY, INC. EIN 43-1318969 CONTRACT ADMINISTRATOR | Insurance brokerage commissions and fees; Contract Administrator Service code 13 | — | $197K |
| PAYD HEALTH EIN 84-2853707 SPECIALTY RX ADMIN FEES | Other fees Service code 99 | — | $74K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 PPO NETWORK ACCESS FEES | Other fees Service code 99 | — | $56K |
| HEALTHLINK EIN 43-1364135 PPO NETWORK ACCESS FEES | Other fees Service code 99 | — | $49K |
| MERCY CORPORATE HEALTH & WELLNESS FLU SHOTS | Other fees Service code 99 | 3265 S NATIONAL SUITE 115 SPRINGFIELD, MO 65807 | $43K |
| WARRIER COST MANAGEMENT LLC EIN 85-3740555 PPO NETWORK ACCESS FEES | Other fees Service code 99 | — | $30K |
| TELLUS WELLNESS, LLC EIN 83-3437157 WELLNESS COORDINATOR | Other fees Service code 99 | — | $26K |
| ONE AMERICA EIN 35-0145825 EMPLOYEE ASSISTANCE PROGR | Other fees Service code 99 | — | $16K |
| VALENZ CLAIM EIN 81-5130313 PPO NETWORK ACCESS FEES | Other fees Service code 99 | — | $16K |
| RELIANT HEALTH PARTNERS LLC EIN 47-2171660 PPO NETWORK ACCESS FEES | Other fees Service code 99 | — | $10K |
| MERCY HEALTH SPRINGFIELD COMMUNITIE EIN 43-1856028 ONLINE DOCTOR/MEDICAL | Other fees Service code 99 | — | $10K |
| NATIONAL BILL AUDIT SERVICES LLC EIN 20-0091768 CLAIM AUDIT FEES | Other fees Service code 99 | — | $7K |
| LEAF HEALTH EIN 82-3606431 PRESCRIPTION ADMIN MKTING | Sales loads (front end and deferred) Service code 54 | — | $0 |
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 | 1,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 833 | $110K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,702 | $371K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,702 | $371K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,183 | $986K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,702 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,702 | — |
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.