| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 135 MAIN STREET, FL 21 SAN FRANCISCO, CA 94105 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 9.48% |
| WARREN LEE RUND3 | 7395 OFFENHAUSER DRIVE RENO, NV 89511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $0 | $508 | 4.14% |
| CONNIE SIGNE FENT3 | 9900 WILBUR MAY PKWY RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 SOUTH STATE STREET SUITE V, #283 LAKE OSWEGO, OR 97034 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSP & MEDICAL SERV EIN 87-0747736 CLAIMS PROCESSOR | Float revenue; Other fees; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $174K |
| BENEFIT RESOURCE GROUP, LLC EIN 84-0747736 BROKER | Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | — | $0 |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 84-0747436 BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 240 | $0 |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 240 | $0 |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 240 | $0 |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 240 | $233K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 240 | $233K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 239 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.