| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HEALTH ADVISOR3 | 9605 S. KINGSTON COURT, SUITE 150 ENGLEWOOD, CO 80112 | NATIONWIDE LIFE INSURANCE COMPANY | $16K | — | $16K | 8.50% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC PO BOX 1388 VENTURA, CA 93002 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 11.10% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC PO BOX 1388 VENTURA, CA 93002 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $95K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $70K |
| MCINNES MAGGART CONSULTING EIN 48-1108277 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $30K |
| MEDTRAK SERVICES, LLC EIN 36-4221427 RX VENDOR | Direct payment from the plan; Claims processing Service code 12 | — | $21K |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 266 | $14K |
| Vision | VISION SERVICE PLAN | 196 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 534 | $110K |
| Long-term disability | STANDARD INSURANCE COMPANY | 28 | $12K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 245 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.