| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 2345 KING AVE W SUITE E BILLINGS, MT 59102 | BERKLEY LIFE & HEALTH INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON-CHAPMAN EIN 74-2305238 NONE | Contract Administrator; Claims processing Service code 12 | 9401 AMBERGLEN BLVD STE 100 AUSTIN, TX 78729 | $72K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 NONE | Contract Administrator Service code 13 | 120 W CATALDO AVE STE 200 SPOKANE, WA 99201 | $10K |
| INTERFACE EAP, INC NONE | Other services Service code 49 | 2424 WILCREST DR HOUSTON, TX 77042 | $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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 166 | $146K |
| Dental | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 166 | $146K |
| Vision | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 166 | $146K |
| Prescription drug | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 166 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.