| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAP ARNOLD INSURANCE COMPANY3 | 875 NORTH KINGSHIGHWAY CAPE GIRADEAU, MO 63702 | UNDERWRITING MANAGEMENT EXPERTS | $21K | — | $21K | 10.15% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC | 1736 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65804 | UNDERWRITING MANAGEMENT EXPERTS | $10K | — | $10K | 5.01% |
| NAUGHT-NAUGHT AGENCY3 | 3928 SOUTH PROVIDENCE ROAD COLUMBIA, MO 65203 | UNDERWRITING MANAGEMENT EXPERTS | $7K | — | $7K | 3.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITING MANAGEMENT EXPERTS EIN 47-1806580 STOP LOSS INS CARRIER | Other fees Service code 99 | 900 FORTY FOOT ROAD LANSDALE, PA 19446 | $208K |
| GROUP BENEFIT SERVICES, INC EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | 1736 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65804 | $66K |
| CHAP ARNOLD INSURANCE COMPANY EIN 43-1210557 BROKER | Other fees Service code 99 | 875 NORTH KINGSHIGHWAY CAPE GIRADEAU, MO 63701 | $21K |
| HEALTHLINK OPEN ACCESS III EIN 43-1364135 PPO NETWORK | Other fees Service code 99 | 1000 WEST NIFONG BUILDING 3 SUITE 200 COLUMBIA, MO 65203 | $13K |
| NAUGHT-NAUGHT EIN 43-0996241 BROKER | Other fees Service code 99 | 3928 SOUTH PROVIDENCE ROAD COLUMBIA, MO 65203 | $7K |
| MANAGED CARE CONCEPTS EIN 86-0799129 MEDICAL REVIEW | Other fees Service code 99 | 1539 STRICKLAND ORANGE, TX 77630 | $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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNDERWRITING MANAGEMENT EXPERTS | 167 | $208K |
| Dental | UNDERWRITING MANAGEMENT EXPERTS | 167 | $208K |
| Vision | UNDERWRITING MANAGEMENT EXPERTS | 167 | $208K |
| Prescription drug | UNDERWRITING MANAGEMENT EXPERTS | 167 | $208K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS | 167 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.