| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK NEILL3 Filed as: MARK NEILL INSURANCE SERVICE | 67787 OSPREY LN MONTROSE, CO 81401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 20.00% |
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | VISION SERVICE PLAN | $2K | — | $2K | 3.09% |
| MARK NEILL3 | 3410 WILLIAMS DR STE 420 MONTROSE, CO 81401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 17.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SVCS LLC EIN 81-0391256 CASE MANAGEMENT | Contract Administrator; Other fees Service code 13 | — | $175K |
| MOUNTAIN WEST INSURANCE & FINANCIAL EIN 52-2364820 BROKER | Insurance agents and brokers Service code 22 | — | $61K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL ADMIN | Contract Administrator Service code 13 | — | $20K |
| WESTERN HEALTHCARE ALLIANCE EIN 84-1159443 BROKER | Insurance agents and brokers Service code 22 | — | $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 | 451 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 340 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $116K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 612 | $71K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 459 | $534K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 612 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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.