| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.5 | — | COMPANION LIFE INSURANCE COMPANY | $24K | $25K | $49K | 22.70% |
| VALENZ5 Filed as: VALENZ CLAIM | — | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 0.96% |
| ZELIS CLAIMS INTEGRITY INC5 | — | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 0.78% |
| WARRIOR COST MANAGEMENT0 | — | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 0.60% |
| UNITED CLAIM SOLUTIONS5 | — | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 0.52% |
| ELIXIR RX SOLUTIONS LLC5 | — | COMPANION LIFE INSURANCE COMPANY | — | $800 | $800 | 0.37% |
| RELIANT EDGE SOLUTIONS INC5 Filed as: RELIANT HEALTH PARTNERS | — | COMPANION LIFE INSURANCE COMPANY | — | $9 | $9 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 130 | $217K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 130 | $3K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 130 | $217K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 130 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.