| 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 | $81K | $35K | $117K | 16.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $219K |
| COFINITY, INC EIN 20-1274723 NONE | Insurance services Service code 23 | 6501 S FIDDLERS GREEN CR, STE 300 GREENWOOD VILLAGE, CO 80111 | $65K |
| HINES AND ASSOCIATES, INC. EIN 36-3545085 NONE | Other insurance fees and expenses Service code 73 | 115 E HIGHLAND AVE ELGIN, IL 60120 | $54K |
| IMA, INC EIN 20-2557329 NONE | Insurance agents and brokers Service code 22 | 1705 17TH STREET, STE 100 DENVER, CO 802021622 | $47K |
| DALBY WENDLAND & CO PC EIN 84-0795096 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | PO BOX 1150 GLENWOOD SPRINGS, CO 81602 | $14K |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 644 | $710K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 644 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.