| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC Filed as: EMPLOYEE BENEFIT MANAGEMENT SERVICE | 2075 OVERLAND AVE BILLINGS, MT 59102 | SUN LIFE FINANCIALS | — | — | $0 | 0.00% |
| KEVIN BARRY TURK Filed as: KEVIN J MULLIGAN | 10107 CHEVY CHASE DR HOUSTON, TX 77042 | AETNA LIFE INSURANCE COMPANY | $97K | — | $97K | 158.16% |
| MERITAIN HEALTH Filed as: AETNA SIGNATURE ADMINISTRATION | 400 CENTERWAY PLACE ARLINGTON, TX 76018 | AETNA LIFE INSURANCE COMPANY | — | $70K | $70K | 114.74% |
| VERTITY HEALTHNET, LLC | 8490 PICARDI AVE BATON ROUGE, LA 70809 | AETNA LIFE INSURANCE COMPANY | — | $32K | $32K | 52.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 3RD PARTY ADMINISTRATOR | Claims processing Service code 12 | 2075 OVERLAND AVENUE, BOX 21367 BILLINGS, MT 591041367 | $167K |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION-SERVICE PLAN | 297 | $54K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $168K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $173K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE FINANCIALS | 564 | $873K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.