| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAP ARNOLD INSURANCE COMPANY3 | 875 NORTH KINGSHIGHWAY CAPE GIRARDEAU, MO 63701 | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | $41K | — | $41K | 13.40% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 3810 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65809 | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | $15K | — | $15K | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACE UNDERWRITERS, LLC EIN 81-4888426 STOP LOSS INSURANCE | Other fees; Other services Service code 49 | 4120 INTERNATIONAL PARKWAY STE 220 CARROLLTON, TX 75007 | $307K |
| GROUP BENEFIT SERVICES, INC. EIN 43-1770779 BROKER | Recordkeeping fees; Account maintenance fees; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3810 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65809 | $116K |
| MULTIPLAN EIN 13-3068979 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | PO BOX 29380 NEW YORK, NY 10087 | $73K |
| CHAP ARNOLD INSURANCE EIN 43-1210557 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 875 NORTH KINGSHIGHWAY CAPE GIRARDEAU, MO 63701 | $41K |
| DREXI, INC. EIN 46-4488538 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 2700 N CENTRAL AVENUE SUITE 1110 PHOENIX, AZ 85004 | $24K |
| HEALTHLINK EIN 43-1364135 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 1000 W NIFONG, BUILDING 3 STE 200 COLUMBIA, MO 65203 | $16K |
| MEDWATCH EIN 16-1662117 BILL REVIEW | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 21796 TAMPA, FL 33630 | $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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 207 | $307K |
| Dental | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 207 | $307K |
| Vision | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 207 | $307K |
| Prescription drug | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 207 | $307K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 207 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.