| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE BROKERS (SEE APPENDIX)3 | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 14.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | VISION SERVICE PLAN | $888 | — | $888 | 6.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $445 | $2K | 20.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S&S HEALTHCARE EIN 31-1418743 NETWORK & PBM FEES | Contract Administrator; Claims processing Service code 12 | — | $106K |
| DWS HOLDINGS EIN 45-3763152 TPA FEES | Contract Administrator; Claims processing Service code 12 | — | $104K |
| MARSH & MCLENNAN AGCY PRODUCER FEES | Contract Administrator; Claims processing Service code 12 | 390 BRADLEY BLVD RICHLAND, WA 99352 | $64K |
| HEALTHCARE CONSULTANT GROUPS EIN 99-2897568 GA FEE | Contract Administrator; Claims processing Service code 12 | — | $13K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL FEES | Claims processing; Contract Administrator Service code 12 | — | $10K |
| WALMART HEALTH EIN 71-0415188 TELEHEALTH | Contract Administrator; Claims processing Service code 12 | — | $7K |
| THE CICOTTE LAW FIRM ERISA SERVICES | Claims processing; Contract Administrator Service code 12 | 2803 SARAH COURT KENNWICK, WA 99338 | $5K |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 199 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $8K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 199 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.