| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROL WISHY DURHAM3 | 7701 MARIAH DR BARNHART, MO 630121965 | VISION SERVICE PLAN | $2K | — | $2K | 3.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 THIRD PARTY ADMINSTRATOR | Contract Administrator Service code 13 | — | $249K |
| EMPLOYER WELLNESS SOLUTIONS EIN 48-1225122 PLAN CONSULTANT | Consulting fees Service code 70 | — | $37K |
| NEW DIRECTIONS EIN 43-1698690 PLAN CONSULTANT | Consulting fees Service code 70 | — | $25K |
| US BANK, N.A. EIN 31-0841368 INVESTMENT MANAGER | Investment management Service code 28 | — | $20K |
| ROUSE,FRETS,WHITE,GOSS,GENTILE, PC EIN 43-1706479 FUND ATTORNEY | Legal Service code 29 | — | $18K |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 339 | $45K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELTIY ASSURANCE COMPANY | 0 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.