| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRICHARD & JERDEN INC3 Filed as: PRICHARD AND JERDEN INC. | ONE ATLANTA PLAZA 950 EAST PACES FERRY ROAD NE #2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | $13K | — | $13K | 1.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES INC | DBA BENEFITMALL 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | HCC LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES INC | DBA BENEFITMALL 5090 NORTH 40TH STREET, SUITE 100 PHOENIX, AZ 85018 | HCC LIFE INSURANCE COMPANY | $10K | — | $10K | 4.25% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | ONE ATLANTA PLAZA 950 EAST PACES FERRY ROAD NE #2000 ATLANTA, GA 30326 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | $413 | — | $413 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE-RIVER VALLEY NONE | Contract Administrator; Direct payment from the plan Service code 13 | 4316 RICE LAKE ROAD DULUTH, MN 55811 | $206K |
| BUCK CONSULTANTS LLC EIN 13-3954297 NONE | Direct payment from the plan; Investment management Service code 28 | — | $34K |
| L. J. MOSBY P.C. EIN 84-1656069 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| MERITAIN HEALTH, INC. EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $14K |
| SUNTRUST BANK EIN 62-1644863 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 217 | $742K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 340 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.