| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VEST BENEFIT SOLUTIONS | PO BOX 218 BARNHART, MO 63012 | UNITY RE, INC. / GERBER LIFE INSURANCE | $2K | — | $2K | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITY RE, INC EIN 83-4332957 STOP LOSS INSURANCE | Other fees; Other services Service code 49 | 33 COMMERCIAL ST 3RD FLOOR GLOUCESTAR, MA 01930 | $210K |
| GROUP BENEFIT SERVICES, INC. EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Account maintenance fees; Recordkeeping fees; Other fees Service code 12 | 3810 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65809 | $55K |
| OPTUMHEALTH CARE SOLUTIONS, LLC EIN 41-1591944 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $23K |
| HEALTHLINK OPEN ACCESS III EIN 43-1364135 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 1000 WEST NIFONG, BUILDING 3 STE 200 COLUMBIA, MO 65203 | $11K |
| MULTIPLAN EIN 13-3068979 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | 3345 MICHELSON DR STE 200 IRVINE, CA 92612 | $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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITY RE, INC. / GERBER LIFE INSURANCE | 118 | $210K |
| Prescription drug | UNITY RE, INC. / GERBER LIFE INSURANCE | 118 | $210K |
| Stop-loss / reinsurancereinsurance | UNITY RE, INC. / GERBER LIFE INSURANCE | 118 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.