| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW BRANDES3 | 222 WEST LAS COLINAS BOULEVARD SUITE 600N IRVING, TX 75039 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BART EHRENKRANZ3 | PO BOX 770123 MEMPHIS, TN 38177 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 36-4099199 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $129K |
| CIGNA EIN 59-1031071 PPO NETWORK VENDOR | Insurance services Service code 23 | — | $99K |
| ERHENKRANZ & ASSOCIATES EIN 35-2214001 SERVICING AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 770123 MEMPHIS, TN 38177 | $26K |
| HEALTHSMART CARE MANAGEMENT EIN 75-2960859 UTILIZATION REVIEW VENDO | Other services Service code 49 | — | $10K |
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 | 597 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 590 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 590 | $39K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 593 | $337K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 590 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.