| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AKT BENEFIT ADVISORS LP3 | 680 HAWTHORNE AVE. SE STE. 140 SALEM, OR 97301 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTHCARE MANAGEMENT EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $266K |
| AKT BENEFIT ADVISORS EIN 20-0407135 NONE | Claims processing; Other fees Service code 12 | — | $90K |
| UNION SECURITY INSURANCE CO. EIN 81-0170040 NONE | Claims processing; Other fees Service code 12 | — | $17K |
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 | 472 | 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) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION SECURITY INSURANCE COMPANY | 472 | $201K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 472 | $201K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 472 | $201K |
| Other | UNION SECURITY INSURANCE COMPANY | 472 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
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.