| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: FMH BENEFIT SERVICES INC | PO BOX 25946 OVERLAND PARK, KS 66225 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $15K | $15K | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANKERS BENEFIT EIN 43-1383648 PARTY-IN-INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 1343 JEFFERSON CITY, MO 65102 | $1.0M |
| CORESOURCE, INC EIN 35-1846036 NONE | Other services; Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $541K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $208K |
| HEALTHLINK EIN 43-1364135 NONE | Other insurance fees and expenses; Claims processing; Other services Service code 12 | — | $99K |
| LEWIS & ELLIS INC EIN 75-1281520 NONE | Direct payment from the plan; Actuarial Service code 11 | 11225 COLLEGE BLVD #320 OVERLAND PARK, KS 66210 | $78K |
| DELTA DENTAL OF MO EIN 43-0908349 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ROAD ST LOUIS, MO 63127 | $74K |
| MULTIPLAN INC EIN 13-3068979 NONE | Other services; Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $71K |
| TRIA HEALTH, LLC EIN 27-1515235 NONE | Claims processing; Direct payment from the plan Service code 12 | 7101 COLLEGE BLVD, STE 600 OVERLAND PARK, KS 66210 | $68K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3220 W EDGEWOOD, STE E JEFFERSON CITY, MO 65109 | $17K |
| MEDTRAK SERVICES, LLC EIN 36-4221427 NONE | Claims processing; Direct payment from the plan Service code 12 | 7101 COLLEGE BLVD, STE 1000 OVERLAND PARK, KS 66210 | $2K |
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 | 1,951 | 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) | 1,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,477 | $127K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,975 | $350K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,660 | $449K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,948 | $959K |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 4,207 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,207 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.