| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM LEAKE3 | 3033 NW 63RD ST SUITE 208 EAST OKLAHOMA CITY, OK 73116 | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1736 EAST SUNSHINE ST SUITE 200 SPRINGFIELD, MO 65804 | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SERVICES EIN 43-1770779 BROKER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees Service code 12 | 1736 EAST SUNSHINE SUITE 200 SPRINGFIELD, MO 65804 | $77K |
| TIM LEAKE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3033 NW 63RD ST SUITE 208 EAST OKLAHOMA CITY, OK 73116 | $38K |
| THE SANDSTECH GROUP / CIGNA EIN 31-1418743 PPO NETWORK FEES | Direct payment from the plan; Other services Service code 49 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | $31K |
| PHIA EIN 46-1439866 MEDICAL REVIEW | Consulting (general); Direct payment from the plan Service code 16 | 163 BAY STATE DRIVE BRAINTREE, ME 02184 | $7K |
| PHCS / MULTIPLAN EIN 13-3068979 PPO NETWORK FEES | Direct payment from the plan; Other services Service code 49 | 3345 MICHELSON DR STE 200 IRVINE, CA 92612 | $6K |
| MANAGED CARE CONCEPTS EIN 86-0799129 MEDICAL REVIEW | Direct payment from the plan; Consulting (general) Service code 16 | 1539 STRICKLAND ORANGE, TX 77630 | $6K |
| NOVANET INC EIN 58-2106226 DISCOUNT NETWORK FEES | Other services; Direct payment from the plan Service code 49 | 3500 PARKWAY LANE SUITE 440 NORCROSS, GA 30092 | $6K |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | 171 | $380K |
| Dental | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | 171 | $380K |
| Vision | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | 171 | $380K |
| Prescription drug | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | 171 | $380K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS / SIRIUS AMERICA INSURANCE COMPANY | 171 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.