| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW ST STE 600 WITICHA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $61K | $61K | 24.11% |
| THE BENEFIT WAREHOUSE4 | 714 LYNDON LANE STE 12 LOUISVILLE, KY 40222 | NATIONAL HEALTH INSURANCE COMPANY | $34K | — | $34K | 13.59% |
| KENTUCKY CHAMBER3 | 464 CHENAULT RD FRANKFORT, KY 40601 | NATIONAL HEALTH INSURANCE COMPANY | $14K | — | $14K | 5.39% |
| BAPTIST HEALTH PLAN4 | 651 PERIMETER DR, STE 300 LEXINGTON, KY 40517 | NATIONAL HEALTH INSURANCE COMPANY | — | $9K | $9K | 3.47% |
| MEDCOM UTILIZATION MANAGEMENT4 Filed as: MEDCOM UTILIZATION MGT | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.96% |
| PHCS4 Filed as: MULTIPLAN INC. PHCS | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE COMPANY | — | $384 | $384 | 0.15% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 114 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.