| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICA'S TPA, INC. DBA HEALTHEZ5 | 7201 W 78TH ST #100 BLOOMINGTON, MN 55439 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $80K | $0 | $80K | 20.38% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: THE PRESIDIO GROUP INC | 6967 S RIVER GATE DR #200 SALT LAKE CITY, UT 84047 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $6K | $0 | $6K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84121 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 18.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S TPA INC DBA HEALTHEZ CLAIMS PROCESSOR | Claims processing Service code 12 | 7201 W 78TH ST, SUITE 100 BLOOMINGTON, MN 55439 | $80K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 84121 | $6K |
| THE PRESIDIO GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | $6K |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 90 | $394K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 249 | $82K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $33K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 90 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.