| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE GROUP | 109 INTERNATIONAL DRIVE FRANKLIN, TN 37067 | STANDARD INSURANCE COMPANY | $102K | — | $102K | 7.21% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE GROUP | 109 INTERNATIONAL DRIVE FRANKLIN, TN 37067 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.8M |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 ADMINISTER EAP SERVICES | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $130K |
| MJ INSURANCE EIN 35-1109367 BROKER | Other commissions Service code 55 | STE 100 9225 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | $80K |
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 | 4,539 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 497 | $768K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,539 | $1.4M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,627 | $493K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 497 | $909K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,539 | — |
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.