| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: PRESIDIO GROUP | 6967 S RIVER GATE DR, SUITE 200 MIDVALE, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $2K | $0 | $2K | 5.00% |
| AMERICA'S TPA, INC. DBA HEALTHEZ3 | 7201 W 78TH ST, SUITE 100 BLOOMINGTON, MN 55439 | AMERICA'S TPA, INC. DBA HEALTHEZ | $44K | $0 | $44K | — |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: THE PRESIDIO GROUP | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | AMERICA'S TPA, INC. DBA HEALTHEZ | $19K | $0 | $19K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S TPA DBA HEALTHEZ EIN 54-2064884 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $44K |
| PRESIDIO GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 6967 S RIVER GATE DR, SUITE 200 MIDVALE, UT 84047 | $21K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICA'S TPA, INC. DBA HEALTHEZ | 227 | $0 |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 113 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.