| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $10K | — | $10K | 11.77% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS, LLC | 4 WESTBROOK CORPORATE CENTER WESTCHESTER, IL 60154 | TRANSAMERICA INSURANCE COMPANY | $5K | — | $5K | 5.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION HEALTH SERVICE, INC. EIN 36-2302593 NONE | Contract Administrator; Claims processing; Other services Service code 12 | — | $13.2M |
| OPTUM RX, INC. EIN 33-0441200 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $4.1M |
| HEALTHLINK, INC. EIN 43-1364135 NONE | Other fees; Other services; Other commissions Service code 49 | — | $1.1M |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other services Service code 49 | — | $707K |
| SPECIALTY CARE MANAGEMENT EIN 20-5784836 NONE | Other services Service code 49 | — | $535K |
| HEALTH PLAN SYSTEMS, INC. EIN 01-0589640 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $360K |
| SOMMERS & FAHRENBACH, INC. EIN 36-1796440 NONE | Copying and duplicating; Participant communication Service code 36 | — | $165K |
| PREFERRED NETWORK ACCESS EIN 36-4018433 NONE | Other services Service code 49 | — | $160K |
| THE HENSLEY CO. EIN 36-1210990 NONE | Other services Service code 49 | — | $128K |
| G. RIPPY EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| E. COSTA EIN 26-2336180 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $99K |
| E. GALINGAN EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| L. RILEY EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $83K |
| S. THOMPSON EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $80K |
| C. SHELBY EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| L. WALKER EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
| S. ESPER EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| J. JONES EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| T. BURTIN EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| L. RODRIGUEZ EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| G. LEE EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| E. GONZALEZ EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| B. JOHNSON EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| M. IVANIUK EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| N. MUHAMMAD-BANKS EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| C. HARRIS EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| R. WHITAKER EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $62K |
| J. NERI EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| R. WEAVER EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| C. SEABRON EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $58K |
| A. ROBLEDO EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| K. REESE EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| L. GREEN EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| C. XIE EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $55K |
| N. MORALES EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $53K |
| R. TAYLOR EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| R. O'BRYANT EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| G. ROGERS EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| C. BRENT EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| R. FRANCO EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| G. RANGEL EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| DOWD BLOCH BENNETT CERVONE AUERBACH EIN 36-3371377 NONE | Legal Service code 29 | — | $46K |
| H. KURTZ EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| A. BATES EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| CORVEL CORPORATION EIN 95-3382819 NONE | Other services Service code 49 | — | $44K |
| D. TORAN EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| U. IDEMUDIA EIN 26-2336180 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
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 | 16,139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE COMPANY | 36 | $86K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,313 | $56K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,313 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,313 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.