| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | GROUP BENEFIT SERVICES | — | $436K | $436K | 22.15% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EPIQ RISK MANAGEMENT | PO BOX 579258 MODESTO, CA 95357 | GROUP BENEFIT SERVICES | $102K | — | $102K | 5.19% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: TRISTAR SERVICE COMPANY | 100 OCEANGATE, SUITE 700 LONG BEACH, CA 90802 | GROUP BENEFIT SERVICES | — | $10K | $10K | 0.48% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | MINNESOTA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| PRISM UNDERWRITING GROUP, LLC3 | 1202 W 33 PLACE CHICAGO, IL 60608 | MINNESOTA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | MINNESOTA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| PRISM UNDERWRITING GROUP, LLC3 | 1202 W 33 PLACE CHICAGO, IL 60608 | MINNESOTA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
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 | 1,396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP BENEFIT SERVICES | 1,309 | $2.0M |
| Dental | GROUP BENEFIT SERVICES | 1,309 | $2.0M |
| Vision | GROUP BENEFIT SERVICES | 1,309 | $2.0M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 2,321 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,321 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.