| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE COST MANAGEMENT SERVICES | — | CONCERN EAP | $642 | — | $642 | 28.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator Service code 13 | — | $72K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $21K |
| UNION BANK EIN 94-0304228 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $17K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| MELISSA W. COOK & ASSOCIATES EIN 95-3245809 NONE | Legal Service code 29 | — | $13K |
| VERUS INVESTMENTS EIN 91-1320111 NONE | Investment advisory (plan); Consulting (pension); Direct payment from the plan Service code 17 | — | $12K |
| MILLIMAN EIN 91-0675641 NONE | Consulting (general) Service code 16 | — | $9K |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 328 | $2.7M |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 367 | $649 |
| Other | CONCERN EAP | 319 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.