| 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 | — | $59K | $59K | 19.15% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67202 | EMPLOYEE BENEFIT MANAGEMENT SERVICES | $35K | — | $35K | 11.31% |
| COFINITY5 | 28588 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48034 | EMPLOYEE BENEFIT MANAGEMENT SERVICES | — | $5K | $5K | 1.59% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 TELEMEDICINE | Other fees; Contract Administrator Service code 13 | 2075 OVERLAND AVE BILLINGS, MT 59102 | $130K |
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 | 1,097 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 535 | $307K |
| Dental | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 535 | $307K |
| Vision | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 535 | $307K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $129K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $129K |
| Prescription drug | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 535 | $307K |
| Stop-loss / reinsurancereinsurance | EMPLOYEE BENEFIT MANAGEMENT SERVICES | 535 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.