| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 Filed as: AETNA SIGNATURE ADMINISTRATORS | 4500 E COTTON CENTER BLVD PHOENIX, AZ 85040 | EMPLOYEE BENEFIT MANAGEMENT SERVICES | — | $76K | $76K | 18.84% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67202 | EMPLOYEE BENEFIT MANAGEMENT SERVICES | $46K | — | $46K | 11.33% |
| COFINITY5 | 28588 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48034 | EMPLOYEE BENEFIT MANAGEMENT SERVICES | — | $6K | $6K | 1.50% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 6.62% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $103 | $103 | 17.55% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $88 | — | $88 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 UTILIZATION REVIEW | Contract Administrator; Other fees Service code 13 | 2075 OVERLAND AVE BILLINGS, MT 59102 | $175K |
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 | 2,336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 848 | $403K |
| Dental | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 848 | $403K |
| Vision | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 848 | $403K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 960 | $221K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 960 | $221K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 960 | $221K |
| Prescription drug | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 848 | $403K |
| Stop-loss / reinsurancereinsurance | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 848 | $403K |
| Other | HARTFORD LIFE AND ACCIDENT | 528 | $587 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.