| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY - ATLANTA, GA3 Filed as: THE BENEFIT COMPANY LLC--JOHN HEARN | 6 CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | DELTA DENTAL OF INDIANA | $13K | — | $13K | 7.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUALEXA HEALTHCARE, LLC NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | 10996 FOUR SEASONS PL 100A CROWN POINT, IN 46307 | $128K |
| KUTAK ROCK LLP NONE | Direct payment from the plan; Legal Service code 29 | 60 SOUTH 6TH ST SUITE 3400 MINEAPOLIS, MN 55402 | $49K |
| MERLINOS & ASSOCIATES NONE | Consulting (general); Direct payment from the plan Service code 16 | 5550 PEACHTREE PKWY #600 PEACHTREE CORNERS, GA 30092 | $22K |
| MEDICAL REVIEW INC EIN 61-1154078 NONE | Direct payment from the plan; Other services Service code 49 | — | $19K |
| MULTIPLAN-PHCS NONE | Other services; Direct payment from the plan Service code 49 | 535 E. DIEHL ROAD SUITE 100 NAPERVILLE, IL 60563 | $13K |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 469 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.