| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1736 E. SUNSHINE SUITE 200 SPRINFIELD, MO 65804 | US FIRE INSURANCE COMPANY | $13K | $24K | $37K | — |
| TIM LEAKE3 | 3033 NW 63RD ST., STE 208 EAST OKLAHOMA CITY, OK 73116 | US FIRE INSURANCE COMPANY | $25K | — | $25K | — |
| RELIANCE STANDARD LIFE INSURANCE3 | P.O. BOX 3124 SOUTHEASTERN, PA 19398 | US FIRE INSURANCE COMPANY | — | $23K | $23K | — |
| PHCS3 Filed as: PHCS/MULTIPLAN | 3345 MICHELSON DRIVE, STE 200 IRVINE, CA 92612 | US FIRE INSURANCE COMPANY | — | $11K | $11K | — |
| AHA/FIRST HEALTH3 | 9229 WARD PARKWAY, STE 300 KANSAS CITY, MO 64114 | US FIRE INSURANCE COMPANY | — | $6K | $6K | — |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 79 | $0 |
| Dental | US FIRE INSURANCE COMPANY | 79 | $0 |
| Vision | US FIRE INSURANCE COMPANY | 79 | $0 |
| Life insurance | US FIRE INSURANCE COMPANY | 79 | $0 |
| Long-term disability | US FIRE INSURANCE COMPANY | 79 | $0 |
| Prescription drug | US FIRE INSURANCE COMPANY | 79 | $0 |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 79 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.