| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POINT GUARD ADVISORS NETWORK LLC5 Filed as: POINT C CARE MANAGEMENT | — | COMPANION LIFE INSURANCE COMPANY | $27K | $29K | $55K | 23.08% |
| POINT GUARD ADVISORS NETWORK LLC0 Filed as: POINT C CARE MANAGEMENT | — | COMPANION LIFE INSURANCE COMPANY | — | $6K | $6K | 2.72% |
| WARRIOR COST MANAGEMENT0 | — | COMPANION LIFE INSURANCE COMPANY | — | $3K | $3K | 1.27% |
| MEDIMPACT HEALTHCARE SYSTEMS, INC.5 Filed as: MEDIMPACT HEALTHCARE SYSTEMS INC | — | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 0.46% |
| RELIANT HEALTHCARE0 | — | COMPANION LIFE INSURANCE COMPANY | — | $298 | $298 | 0.12% |
| FIRST HEALTH5 Filed as: FIRST HEALTH GROUP | — | COMPANION LIFE INSURANCE COMPANY | — | $65 | $65 | 0.03% |
| KINNE GORDON - 28990S3 | PO BOX 10909 SPRINGFIELD, MO 65808 | KANSAS CITY LIFE INSURANCE COMPANY | $287 | — | $287 | 10.04% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 138 | $239K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 138 | $3K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 138 | $239K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 138 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.