| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 65808 | HM LILFE INSURANCE COMPANY | $53K | — | $53K | 14.94% |
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 65808 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $50K | — | $50K | 17.10% |
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 65808 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 65808 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 658081600 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED-PAY, INC. EIN 43-1318969 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 10909 SPRINGFIELD, MO 65808 | $105K |
| UNITED CLAIM SOLUTIONS EIN 20-0908354 PPO NETWORK ACCESS FEES | Other fees Service code 99 | — | $11K |
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 | 555 | 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) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 591 | $84K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 554 | $14K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LILFE INSURANCE COMPANY | 560 | $648K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 591 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.