| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $28K | $28K | 23.66% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE | 5285 EAST WILLIAMS CIRCLE #4500 TUCSON, AZ 85711 | NATIONAL HEALTH INSURANCE COMPANY | $16K | — | $16K | 13.41% |
| ARIZONA FOUNDATION3 | PO BOX 205057 DALLAS, TX 75320 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 2.75% |
| CARE ADVOCATES3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $1K | $1K | 0.89% |
| FIRST HEALTH3 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL HEALTH INSURANCE COMPANY | — | $242 | $242 | 0.20% |
| NEVADA RURAL HOSPITAL PARTNERS3 Filed as: NEVADA PREFERRED HEALTHCARE | 1510 MEADOW WOOD LANE RENO, NV 89502 | NATIONAL HEALTH INSURANCE COMPANY | — | $111 | $111 | 0.09% |
| MINARD-AMES INSURANCE SERVICES3 | 4646 EAST VAN BUREN STREET SUITE 200 PHOENIX, AZ 85008 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $3K | — | $3K | 7.71% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | -$67 | — | -$67 | -0.16% |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 73 | $41K |
| Vision | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 73 | $41K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | REDIRECT HEALTH | 578 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.