| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 9605 S. KINGSTON COURT, STE 190 ENGLEWOOD, CO 80112 | COMPANION LIFE INSURANCE COMPANY | $24K | $7K | $31K | 6.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 9605 KINGSTON CT ENGLEWOOD, CO 80112 | $190K |
| REDW LLC EIN 85-0203431 AUDITOR | Accounting (including auditing) Service code 10 | 7425 JEFFERSON ST NE ALBUQUERQUE, NM 87109 | $16K |
| ALEX ZEID & ASSOCIATES EIN 20-2255512 ACTUARY | Actuarial Service code 11 | 100 TRISTATE INTERNATIONAL DR LINCOLNSHIRE, IL 60069 | $9K |
| AHH CASE MANAGEMENT SERVICES CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 7400 WEST CAMPUS RD, F-150 NEW ALBANY, OH 43054 | $0 |
| PRECISION BENEFITS SERVICES INC CONTRACT ADMINSTRATION | Contract Administrator Service code 13 | 9605 KINGSTON CT ENGLEWOOD, CO 80112 | $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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 284 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.