| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.5 Filed as: BENEFIT MANAGEMENT, INC | 2660 E. 32ND STREET, SUITE 1 JOPLIN, MO 64801 | EVEREST REINSURANCE COMPANY | $10K | $7K | $17K | 16.74% |
| BOMFORD, COUCH, & WILSON4 | 12 E. CENTRAL MIAMI, OK 74354 | EVEREST REINSURANCE COMPANY | $8K | — | $8K | 7.63% |
| PREFERRED COMMUNITY CHOICE3 | 4720 S. HARVARD, SUITE 202 TULSA, OK 741013270 | EVEREST REINSURANCE COMPANY | — | $1K | $1K | 1.34% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT, INC | 2660 E. 32ND STREET, SUITE 1 JOPLIN, MO 64801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $183 | — | $183 | 14.94% |
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 | 31 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EVEREST REINSURANCE COMPANY | 31 | $104K |
| Dental | EVEREST REINSURANCE COMPANY | 31 | $104K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 31 | $1K |
| Prescription drug | EVEREST REINSURANCE COMPANY | 31 | $104K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 31 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.