| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN L. WOOD3 Filed as: JOHN WOOD | P.O. BOX 3408 SALINA, KS 67402 | THE HARTFORD | $59K | — | $59K | 62.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S CHOICE HEALTH PLANS EIN 20-0296224 | Contract Administrator Service code 13 | — | $397K |
| PHCS EIN 04-3138814 | Other services Service code 49 | — | $90K |
| CHAR LEE CORPORATION EIN 86-0799129 | Other services Service code 49 | — | $75K |
| FIRST HEALTH NETWORK EIN 20-1736437 | Other services Service code 49 | — | $23K |
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 | 1,853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 1,935 | $95K |
| Stop-loss / reinsurancereinsurance | MUNICH RE STOP LOSS, INC | 1,853 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,935 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.