| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC. | 2426 W CORNERSTONE CT PEORIA, IL 61614 | UNITED HEALTHCARE INSURANCE COMPANY | — | $64K | $64K | 4.92% |
| KEPPLE HEALTHCARE CONSULTING3 | 2426 CORNERSTONE COURT PEORIA, IL 61614 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.34% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING, INC. | 2426 W CORNERSTONE COURT PEORIA, IL 61614 | VISION SERVICE PLAN | $2K | — | $2K | 9.05% |
| OPTUM HEALTHCARE SOLUTIONS3 Filed as: OPTUM HEALTH | 6300 HWY 55 MINNAEPOLIS, MN 55427 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $436 | $436 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISION SERVICE PLAN EIN 06-1227840 | Contract Administrator Service code 13 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $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 | 642 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 462 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 462 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 462 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 642 | $140K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 642 | $140K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 642 | $140K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 462 | $1.3M |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 427 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.