| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 8300 E THORN DRIVE STE 300 WITICHA, KS 67226 | NATIONAL HEALTH INSURANCE COMPANY | — | $66K | $66K | 33.80% |
| THE BENEFIT WAREHOUSE3 | 714 LYNDON LANE STE 12 LOUISVILLE, KY 40222 | NATIONAL HEALTH INSURANCE COMPANY | $43K | — | $43K | 22.16% |
| PHCS4 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE COMPANY | — | $21K | $21K | 10.52% |
| KENTUCKY CHAMBER3 | 464 CHENAULT RD FRANKFORT, KY 40601 | NATIONAL HEALTH INSURANCE COMPANY | $14K | — | $14K | 6.96% |
| CARE ADVOCATES4 | 8300 E THORN DRIVE STE 300 WITCHITA, KS 67226 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 1.50% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 125 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.