| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK & INSURANCE CONSULTING SERVICE3 Filed as: RISK AND INSURANCE CONSULTING | SERVICES, LLC 5500 LILBURN STONE MTN RD, STE B STONE MOUNTAIN, GA 30087 | AMERICAN NATIONAL INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEMPTON GROUP ADMINISTRATORS EIN 73-1201547 NONE | Plan Administrator Service code 14 | P.O. BOX 54889 OKLAHOMA CITY, OK 73154 | $124K |
| MEDCOM CARE MANAGEMENT EIN 72-1339762 NONE | Other services Service code 49 | P.O. BOX 2946 COVINGTON, LA 70434 | $20K |
| FIRST HEALTH EIN 20-1736437 NONE | Other services Service code 49 | 23291 NETWORK PL CHICAGO, IL 606731232 | $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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN NATIONAL INSURANCE COMPANY | 153 | $272K |
| Vision | AMERICAN NATIONAL INSURANCE COMPANY | 153 | $272K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 153 | $272K |
| Other | AMERICAN NATIONAL INSURANCE COMPANY | 153 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.