| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS INC | 5200 77 CENTER DR SUITE 400 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 1.24% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.51% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC DBA VISION CARE DIRECT | $4K | — | $4K | 5.00% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.96% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 16.74% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $178K |
| WPPA, INC. EIN 48-0959093 NONE | Other services; Claims processing Service code 12 | — | $32K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $10K |
| FIRST HEALTH EIN 20-1738437 NONE | Other services; Claims processing Service code 12 | — | $9K |
| CHANGE HEALTHCARE EIN 20-5716594 NONE | Other services; Claims processing Service code 12 | — | $7K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing Service code 12 | — | $4K |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC | 296 | $0 |
| Vision | VCP SERVICES, INC DBA VISION CARE DIRECT | 719 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $65K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $122K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $49K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $859K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.