| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY BRYAN3 Filed as: BARRY GANN BRYAN | 2318 PANSY STREET SOUTHWEST HUNTSVILLE, AL 35801 | PRINCIPAL LIFE INSURANCE COMPANY | $152K | $17K | $169K | 12.17% |
| TRINITY BENEFIT SOLUTIONS3 Filed as: TRINITY BENEFIT SOLUTIONS INC | 2318 PANSY STREET HUNTSVILLE, AL 35801 | COMPANION LIFE INSURANCE COMPANY | $27K | $13K | $40K | 10.99% |
| NIPC3 | 8670 WEST CHEYENNE AVENUE #120 LAS VEGAS, NV 89129 | MIDLANDS CASUALTY INSURANCE COMPANY | $11K | — | $11K | 43.91% |
| MEDOVA HEALTHCARE FINANCIAL GROUP3 Filed as: MEDOVA HEALTHCARE FINANCIAL GROUP, | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $6K | $6K | 22.83% |
| PHCS3 Filed as: MULTIPLAN INC - PHCS | PO BOX 29380 NEW YORK, NY 10087 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $523 | $523 | 2.02% |
| CARE ADVOCATES3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | MIDLANDS CASUALTY INSURANCE COMPANY | — | $198 | $198 | 0.76% |
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 | 895 | 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) | 897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 895 | $1.4M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 895 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 895 | $1.4M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 895 | $1.4M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 895 | $1.4M |
| Stop-loss / reinsurancereinsurance | MIDLANDS CASUALTY INSURANCE COMPANY | 9 | $26K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 895 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.