| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETRICH BENEFIT PLAN SERVICES, INC.3 | 8300 E THORN DRIVE WICHITA, KS 67226 | AMERICAN NATIONAL INSURANCE COMPANY | $20K | — | $20K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLAN SERVICES, INC. EIN 59-1407300 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3701 BOARDMAN-CANFIELD RD CANFIELD, OH 44406 | $59K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 UTILIZATION REVIEW | Other insurance fees and expenses Service code 73 | 100 W OLD WILSON BRIDGE R WORTHINGTON, OH 430856016 | $0 |
| PETRICH BENEFIT SERVICES, INC EIN 27-1197779 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 8300 E THORN DRIVE WICHITA, KS 67226 | $0 |
| WPPA, INC. DBA PROVIDRS CARE PPO PROVIDER NETWORK | Insurance services Service code 23 | 238 N WACO WICHITA, KS 67202 | $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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 139 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.