| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL UNDERWRITING SERVICES0 | 14893 S.H 16 NORTH #1 HELOTES, TX 78023 | NATIONAL UNDERWRITING SERVICES | $313K | — | $313K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL UNDERWRITING SERVICES EIN 76-0168793 STOP - LOSS CARRIER | Other fees Service code 99 | 14893 S.H 16 NORTH #1 HELOTES, TX 78023 | $313K |
| PACIFIC AG INSURANCE AGENCY EIN 77-0525746 BROKER | Insurance agents and brokers Service code 22 | 1715 N 11TH AVENUE HANFORD, CA 93230 | $52K |
| TRANSWESTERN INSURANCE CONTRACT ADMIN | Contract Administrator Service code 13 | PO BOX 9817 FRESNO, CA 93794 | $52K |
| MULTIPLAN, INC EIN 13-3068979 CONTRACT PROVIDER | Other fees Service code 99 | P.O BOX 29380 NEW YORK, NY 10087 | $13K |
| PAYER COMPASS, LLC CONTRACT PROVIDER | Other fees Service code 99 | 5800 GRANITE PARKWAY STE.450 PLANO, TX 75024 | $8K |
| SMITH BOMAN & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 955 N STREET FRESNO, CA 93721 | $6K |
| TRANSWESTERN INSURANCE ADMIN EIN 77-0118024 CONTRACT ADMIN | Contract Administrator Service code 13 | P.O BOX 9817 FRESNO, CA 93794 | $0 |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNDERWRITING SERVICES | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.