| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $53K | $61K | 5.34% |
| IMA, INC.3 | 430 E. DOUGLAS AVE STE 400 WICHITA, KS 67202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 0.87% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 8.11% |
| IMA, INC.3 | 430 E. DOUGLAS AVE STE 400 WICHITA, KS 67202 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.45% |
| IMA, INC.3 | 430 E. DOUGLAS AVE SUITE 400 WICHITA, KS 67202 | EYEMED VISION CARE | $776 | — | $776 | 8.28% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 30328 | EYEMED VISION CARE | $169 | — | $169 | 1.80% |
| NO RECIPIENT LISTED3 | — | TELADOC | $209 | — | $209 | 14.64% |
No Schedule C service providers reported on this filing.
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.1M |
| Vision | EYEMED VISION CARE | 151 | $9K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $93K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $93K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $93K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.