| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN L. WOOD3 Filed as: JOHN WOOD | P.O. BOX 3408 SALINA, KS 67401 | THE HARTFORD | $37K | — | $37K | 26.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S CHOICE HEALTH PLANS EIN 20-0296224 NONE | Contract Administrator Service code 13 | — | $359K |
| PHCS EIN 04-3138814 NONE | Other services Service code 49 | — | $81K |
| CHAR LEE CORPORATION EIN 86-0799129 NONE | Other services Service code 49 | — | $68K |
| MAGELLAN RX MANAGEMENT, LLC EIN 46-3708039 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $49K |
| FIRST HEALTH NETWORK EIN 20-1736437 NONE | Other services Service code 49 | — | $24K |
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 | 1,700 | 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) | 1,700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 3,089 | $140K |
| Other | THE HARTFORD | 3,089 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,089 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.