| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
| MARK NEILL3 | 67787 OSPREY LN MONTROSE, CO 81401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 20.00% |
| MARK NEILL3 | 3410 WILLIAMS DR #420-162 MONTROSE, CO 81401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE EIN 35-1846036 TPA | Claims processing; Other services; Plan Administrator Service code 12 | — | $226K |
| MOUNTAIN WEST FINANCIAL & INSURANCE EIN 47-2532916 BROKER | Insurance agents and brokers; Consulting (general) Service code 16 | — | $65K |
| AETNA EIN 06-6033492 PPO | Claims processing; Other services Service code 12 | — | $49K |
| CHANGE HEALTHCARE EIN 20-5716594 INFORMATION MGMT | Claims processing; Other services Service code 12 | — | $39K |
| MULTIPLAN EIN 13-3068979 PPO | Claims processing; Plan Administrator; Other services Service code 12 | — | $9K |
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 | 466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 309 | $65K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 558 | $96K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $57K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 466 | $666K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 699 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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."
No prospect flags tripped on this filing.