| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | COMPANION LIFE INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS EIN 36-4197088 | Other services; Claims processing Service code 12 | 17475 JOVANNA DR HOMEWOOD, IL 60430 | $40K |
| CIGNA | Other services Service code 49 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $35K |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 171 | $365K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 171 | $365K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 171 | $365K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 171 | $365K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 171 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.