| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 9.11% |
| MCINNES GROUP, INC.3 | 3500 W. 75TH STREET #200 PRAIRIE VILLAGE, KS 66208 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $85K |
| MCINNES GROUP, INC. EIN 48-1108277 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $66K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $29K |
| MEDTRAK RX EIN 36-4221427 NONE | Claims processing Service code 12 | — | $23K |
| TRIA HEALTH EIN 04-3307063 NONE | Other services; Claims processing Service code 12 | — | $12K |
| ACA TRACK EIN 46-4238992 NONE | Claims processing; Other services Service code 12 | — | $8K |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $57K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 237 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.