| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH COST SOLUTIONS, INC.3 | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | GERBER LIFE INSURANCE COMPANY | $17K | — | $17K | 11.17% |
| REGIONS INSURANCE INC3 | DEPARTMENT 1968 P.O. BOX 2153 BIRMINGHAM, AL 35287 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 11.07% |
| REGIONS INSURANCE INC3 | P.O. BOX 3198 LITTLE ROCK, AR 72203 | PRINCIPAL LIFE INSURANCE COMPANY | — | $672 | $672 | 0.49% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $137K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $137K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $137K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 96 | $155K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.