| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | GUARDIAN | — | $3K | $3K | 8.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUESCRIPTS MANAGEMENT SERVICES LLC EIN 46-4334244 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $67K |
| GUARDIAN EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $44K |
| BKD, LLP. EIN 44-0160260 NONE | Accounting (including auditing) Service code 10 | 360 E. 8TH AVE SUITE 201 BOWLING GREEN, KY 421021196 | $26K |
| HUMANA EIN 39-1263473 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
| NAA EIN 65-0851406 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 781 | $39K |
| Vision | GUARDIAN | 781 | $39K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 748 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.