| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILL BEELER3 | 101 MAYFIELD LANE HENDERSONVILLE, TN 37075 | GERBER LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH COST SOLUTIONS LLC EIN 30-0999604 CONSULTANT | Other fees Service code 99 | — | $63K |
| CIGNA EIN 59-1031071 NETWORK ADMINISTRATOR | Direct payment from the plan Service code 50 | — | $38K |
| BOB SHUPE, EMPLOYEE SECURITY PLANNI EIN 47-2439286 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $9K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 TPA | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 221 | $49K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PHOENIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 222 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.