| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTUM HEALTHCARE SOLUTIONS3 Filed as: OPTUM-HEALTH FINANCIAL SERVICES | 6300 OLSON MEMORIAL PARKWAY GOLDEN VALLEY, MN 55427 | UNIMERICA INSURANCE COMPANY | $242K | — | $242K | 83.81% |
| WESTLAKE FINANCIAL GROUP INC3 Filed as: WESTLAKE FINANCIAL GROUP | 2345 WAUKEGAN ROAD SUITE 140 BANNOCKBURN, IL 60015 | UNIMERICA INSURANCE COMPANY | $147K | — | $147K | 51.01% |
| AULT INTERNATIONAL MEDICAL MGMT3 | 1491 POLARIS PARKWAY BOX 213 COLUMBUS, OH 43240 | UNIMERICA INSURANCE COMPANY | $16K | — | $16K | 5.54% |
| BLUEGRASS FAMILY HEALTH3 | 651 PERIMETER DRIVE SUITE 300 LEXINGTON, KY 40517 | UNIMERICA INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARCORP, LLC ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | PO BOX 12290 LEXINGTON, KY 40582 | $219K |
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMIN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue Service code 12 | — | $125K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. EIN 33-0567651 PHARMACY BENEFIT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $47K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 1,456 | $289K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,456 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,456 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.