| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FEJES & ASSOCIATES, INC.3 | 12890 OLD SEWARD HWY ANCHORAGE, AK 99515 | OPTUM | $28K | $0 | $28K | 5.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC -ALASKA | PO BOX 844120 LOS ANGELES, CA 900844120 | OPTUM | $28K | $0 | $28K | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT SERVICES EIN 93-0998477 TPA | Plan Administrator Service code 14 | 1193 ROYVONNE AVE SE SUITE #22 SALEM, OR 97302 | $55K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 NETWORK | Other insurance fees and expenses Service code 73 | PO BOX 2289 SEATTLE, WA 98111 | $33K |
| UNITED CLAIM SOLUTIONS EIN 81-5149270 REPRISING VENDOR | Other insurance fees and expenses Service code 73 | 23048 N 15TH AVE PHOENIX, AZ 85027 | $20K |
| FEJES & ASSOCIATES EIN 86-0877658 BROKER | Insurance agents and brokers Service code 22 | 12890 OLD SEWARD HIGHWAY ANCHORAGE, AK 99515 | $7K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 CASE MANAGEMENT | Other insurance fees and expenses Service code 73 | PO BOX 22386 PORTLAND, OR 97269 | $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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTUM | 94 | $482K |
| Dental | OPTUM | 94 | $482K |
| Vision | OPTUM | 94 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.