| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LBJ FWY STE 100 DALLAS, TX 752446011 | RELIASTAR LIFE INSURANCE COMPANY | $58K | $29K | $87K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $314K |
| COFINITY, INC EIN 20-1274723 NONE | Insurance services Service code 23 | 6501 S FIDDLERS GREEN CR, STE 300 GREENWOOD VILLAGE, CO 80111 | $54K |
| HINES AND ASSOCIATES, INC. EIN 36-3545085 NONE | Other insurance fees and expenses Service code 73 | 115 E HIGHLAND AVE ELGIN, IL 60120 | $44K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 NONE | Other commissions; Consulting (general) Service code 16 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | $43K |
| DALBY WENDLAND & CO PC EIN 84-0795096 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | PO BOX 1150 GLENWOOD SPRINGS, CO 81602 | $13K |
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 | 537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 537 | $580K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 537 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.