| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $28K | $28K | 61.11% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE | 5285 EAST WILLIAMS CIRCLE #4500 TUCSON, AZ 85711 | MIDLANDS CASUALTY INSURANCE COMPANY | $15K | — | $15K | 32.12% |
| NIPC3 | 8670 WEST CHEYENNE AVENUE #120 LAS VEGAS, NV 89129 | MIDLANDS CASUALTY INSURANCE COMPANY | $5K | — | $5K | 11.10% |
| ARIZONA FOUNDATION3 | PO BOX 205057 DALLAS, TX 75320 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $3K | $3K | 7.06% |
| CARE ADVOCATES3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $1K | $1K | 2.31% |
| FIRST HEALTH3 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 60673 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $176 | $176 | 0.39% |
| NEVADA RURAL HOSPITAL PARTNERS3 Filed as: NEVADA PREFERRED HEALTHCARE | 1510 MEADOW WOOD LANE RENO, NV 89502 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $156 | $156 | 0.35% |
| MINARD-AMES INSURANCE SERVICES3 | 4646 EAST VAN BUREN STREET SUITE 200 PHOENIX, AZ 85008 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $2K | — | $2K | 6.01% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $803 | — | $803 | 1.99% |
No Schedule C service providers reported on this filing.
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 80 | $40K |
| Vision | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 80 | $40K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | REDIRECT HEALTH | 529 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.