| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROL WISHY DURHAM | 3100 DARTMOUTH PL DR WILDWOOD, MO 63011 | VISION SERVICE PLAN | $1K | — | $1K | 4.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERRED HEALTH PROFESSIONAL NONE | Direct payment from the plan; Claims processing Service code 12 | 9393 W. 110TH ST. 913-685-6300 OVERLAND PARK, KS 66210 | $104K |
| BENEFIT MANAGEMENT LLC EIN 43-1168746 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $91K |
| DIVERSIFIED CONSULTING LLC EIN 47-2427154 PLAN CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $36K |
| U S BANK, N.A. EIN 31-0841368 INVESTMENT MANAGER | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $17K |
| MEDWATCH LLC EIN 16-1662117 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
| ROUSE,FRETS,WHITE,GOSS,GENTILE,RHOD EIN 43-1706479 FUND ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $17K |
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 | 446 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 259 | $30K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 446 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.