| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUNTAIN WEST INSURANCE & FINANCIAL3 | 100 E VICTORY WAY CRAIG, CO 81625 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.05% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VISION SERVICE PLAN | $330 | $0 | $330 | 0.28% |
| MOUNTAIN WEST INSURANCE & FINANCIAL3 | 100 E VICTORY WAY CRAIG, CO 81625 | SUN LIFE ASSURANCE COMPANY | $8K | $0 | $8K | 66.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBMS EIN 84-0447998 TPA | Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $154K |
| IMA, INC. EIN 20-2557329 BROKER | Insurance agents and brokers Service code 22 | PO BOX 2992 WICHITA, KS 67201 | $38K |
| AETNA PPO EIN 06-6033492 NETWORK | Claims processing Service code 12 | — | $33K |
| MOUNTAIN WEST INSURANCE EIN 52-2364820 BROKER | Insurance agents and brokers Service code 22 | — | $32K |
| MONUMENT HEALTH PPO EIN 44-4424617 NETWORK | Claims processing Service code 12 | — | $24K |
| DELTA DENTAL EIN 84-0568337 TPA | Claims processing Service code 12 | — | $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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | VISION SERVICE PLAN | 384 | $129K |
| Short-term disability(2 contracts, 2 carriers) | VISION SERVICE PLAN | 384 | $129K |
| Long-term disability(2 contracts, 2 carriers) | VISION SERVICE PLAN | 384 | $129K |
| Other(2 contracts, 2 carriers) | VISION SERVICE PLAN | 384 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
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.