| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $19K | $25K | $44K | 6.61% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS SERVICES LLC | 7415 W 130TH STE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 6.11% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | GUARDIAN LIFE INSURANCE COMPANY | $59K | — | $59K | 16.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE STE 825 DENVER, CO 82037 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $11K | $25K | 7.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 NONE | Plan Administrator Service code 14 | PO BOX 4346 MISSOULA, MT 59806 | $294K |
| ALLEGIANCE CARE MANAGEMENT INC EIN 03-0507057 NONE | Plan Administrator Service code 14 | PO BOX 4346 MISSOULA, MT 59806 | $46K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 NONE | Plan Administrator Service code 14 | 1619 N WATERFRONT PARKWAY WICHITA, KS 67278 | $43K |
| INDEPENDENT EYE CARE PROFESSIONALS EIN 27-4635443 NONE | Plan Administrator Service code 14 | 405 S HOLLAND, SUITE A WICHITA, KS 67209 | $28K |
| ALLEGIANCE COBRA SERVICES INC EIN 71-0916514 NONE | Plan Administrator Service code 14 | PO BOX 4346 MISSOULA, MT 59806 | $9K |
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 | 1,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 265 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,242 | $768K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,738 | $663K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,738 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,738 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,738 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.