| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: CORESOURCE | — | OPTUM HEALTH FINANCIAL SERVICES | — | $40K | $40K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FMH CORESOURCE EIN 35-1846036 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $3.3M |
| DEAN HEALTH PLAN EIN 39-1535024 STAFF OF EMPLOYER | Other services Service code 49 | — | $2.1M |
| MULTIPLAN EIN 13-3068979 NONE | Other services Service code 49 | — | $1.5M |
| OPTUM HEALTH NETWORK EIN 41-1940493 NONE | Other services; Insurance services Service code 23 | — | $1.3M |
| AON EIN 22-2232264 THIRD PARTY ADMIN | Other services; Contract Administrator Service code 13 | — | $1.2M |
| NAVITUS HEALTH SOLUTIONS LLC EIN 04-3608530 STAFF OF EMPLOYER | Contract Administrator Service code 13 | — | $777K |
| SSM HEALTH CARE SYSTEM EIN 46-6029223 STAFF OF EMPLOYER | Accounting (including auditing); Other services Service code 10 | — | $553K |
| SBC SYSTEM CO. (MORNEAU SHEPELL) EIN 58-1415322 NONE | Consulting (general) Service code 16 | — | $419K |
| HEALTHLINK EIN 43-1364135 NONE | Other services Service code 49 | — | $312K |
| ERNST AND YOUNG EIN 34-6565596 NONE | Other services; Consulting (general) Service code 16 | — | $288K |
| STOLZE PRINTING EIN 43-1484952 NONE | Copying and duplicating Service code 36 | — | $265K |
| DELTA DENTAL EIN 39-6094742 NONE | Contract Administrator Service code 13 | — | $264K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Contract Administrator Service code 13 | — | $204K |
| TOWERS WATSON EIN 23-1159360 NONE | Actuarial; Consulting (general) Service code 11 | — | $158K |
| OKLAHOMA HEALTH NETWORK EIN 52-2457937 NONE | Other services Service code 49 | — | $114K |
| FREEDOM SELECT EIN 20-1665464 NONE | Other services Service code 49 | — | $81K |
| BANK OF AMERICA EIN 86-0645265 NONE | Account maintenance fees Service code 65 | — | $16K |
| GREENSFELDER, HEMKER & GALE, PC EIN 43-1313567 NONE | Other services Service code 49 | — | $11K |
| DELOITTE AND TOUCHE LLP EIN 13-3891517 NONE | Accounting (including auditing) Service code 10 | — | $0 |
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 | 25,331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 25,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN | 11,785 | $77.0M |
| Vision | VISION SERVICE PLAN | 1,323 | $171K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH FINANCIAL SERVICES | 20,846 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,846 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.