| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST CHOICE BUSINESS SOLUTIONS3 | 1359 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | UNITED OF OMAHA | $12K | $159 | $12K | 15.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 26-1569907 MEDICAL PLAN TPA | Contract Administrator; Claims processing Service code 12 | — | $108K |
| FIRST CHOICE INSURANCE AGENCY AGENT | Insurance agents and brokers Service code 22 | 1359 WESTWOOD BLVD POPLAR BLUFF, MO 63901 | $39K |
| SNP CARDINAL CONSULTING, LLC AGENT | Insurance agents and brokers Service code 22 | 202 PUHICAH BLVD PUXICO, MO 63960 | $21K |
| COMMUNITY HEALTH PLAN SOLUTIONS LLC AGENT | Insurance agents and brokers Service code 22 | 414 CARRERA DRIVE LADY LAKE, FL 32159 | $7K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 113 | $11K |
| Dental | UNITED OF OMAHA | 153 | $79K |
| Vision | UNITED OF OMAHA | 153 | $79K |
| Life insurance | UNITED OF OMAHA | 153 | $79K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 113 | $159K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA | 153 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.