| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM LEAKE3 | 3033 NW 63RD ST STE 208 EAST OKLAHOMA CITY, OK 73116 | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | $59K | — | $59K | 13.07% |
| GROUP BENEFIT SERVICES INC3 | 3810 E. SUNSHINE ST STE 200 SPRINGFIELD, MO 65809 | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | $24K | — | $24K | 5.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACE UNDERWRITERS / COMPANION LIFE EIN 81-4888426 STOP LOSS INS CARRIER | Direct payment from the plan; Other services Service code 49 | 4120 INTERNATIONAL PKWY STE 2200 CARROLLTON, TX 75007 | $454K |
| GROUP BENEFIT SERVICES INC EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Account maintenance fees; Claims processing; Insurance brokerage commissions and fees; Recordkeeping fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3810 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65809 | $135K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | 29742 NETWORK PLACE CHICAGO, IL 60673 | $64K |
| TIM LEAKE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3033 NW 63RD ST STE 208 EAST OKLAHOMA CITY, OK 73116 | $59K |
| MULTIPLAN EIN 13-3068979 PPO NETWORK | Other services; Direct payment from the plan Service code 49 | 3345 MICHELSON DR STE 200 IRVINE, CA 92612 | $44K |
| DREXI, INC EIN 46-4488538 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | 2700 N CENTRAL AVENUE SUITE 1110 PHOENIX, AZ 85004 | $30K |
| NOVANET, INC EIN 58-2106226 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | 3500 PARKWAY LANE STE 440 NORCROSS, GA 30092 | $8K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 MEDICAL REVIEW | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 360142 PITTSBURGH, PA 15250 | $7K |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 239 | $477K |
| Dental | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 239 | $454K |
| Vision | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 239 | $454K |
| Prescription drug(2 contracts, 2 carriers) | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 239 | $477K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PACE UNDERWRITERS / COMPANION LIFE INSURANCE | 239 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
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.