| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.R. INSURANCE PARTNERS AGENCY3 Filed as: M.R. INSURANCE PARTNERS AGENCY, INC | 3310 PROSPECT AVE E CLEVELAND, OH 44115 | HUMANA INSURANCE COMPANY | $11K | $0 | $11K | 0.11% |
| HYLANT GROUP INC3 | 565 METRO PL S #450 DUBLIN, OH 43017 | NATIONAL UNION FIRE INS. CO. OF PITTSURGH | $200 | $0 | $200 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 | Contract Administrator Service code 13 | — | $6.3M |
| LABORERS DISTRICT COUNCIL PENSION F EIN 31-6129964 | Contract Administrator Service code 13 | — | $1.6M |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570789 | Contract Administrator Service code 13 | — | $357K |
| GRAND ROUNDS, INC. EIN 45-3580052 | Other fees Service code 99 | — | $296K |
| MATTHEW ARCHER EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $86K |
| BALL & TANOURY EIN 31-1165361 | Legal Service code 29 | — | $80K |
| AMY TOY EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $74K |
| BEACH POINT CAPITAL MANAGEMENT EIN 80-0242162 | Investment management fees paid directly by plan Service code 51 | — | $62K |
| DEPARTMENT OF TREASURY, IRS | Other insurance fees and expenses Service code 73 | — | $57K |
| SIERRA INVESTMENTS EIN 68-0370668 | Investment management Service code 28 | — | $55K |
| JENNIFER HALL EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $54K |
| BRIAN GASTON EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $52K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 | Contract Administrator Service code 13 | — | $49K |
| THE SEGAL COMPANY EIN 31-1835864 | Actuarial Service code 11 | — | $48K |
| CIUNI & PANICHI EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $47K |
| WILLIAM BROWN EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $46K |
| CHRISTINA MYERS EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $43K |
| ALEXIS NYE EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $43K |
| CLAIM TECHNOLOGIES, INC | Other fees Service code 99 | — | $38K |
| STEVEN ZELLER EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $32K |
| TRACY SWOPE EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $32K |
| MEKETA INVESTMENT GROUP, INC EIN 04-2659023 | Investment advisory (plan) Service code 27 | — | $32K |
| NICOLE SHREVES EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $31K |
| JEFFREY WOOD EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $25K |
| JEFF HORNE EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $23K |
| JENNIFER ADKINS EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $23K |
| CHERYL HEMKER EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $23K |
| MEGAN WILSON EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $21K |
| ERIC WILLIAMS EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $20K |
| MELISSA SEUM EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $20K |
| WILLIAM UHL EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $20K |
| DAWN MILLS EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $20K |
| RALPH SCURRY EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $20K |
| PROFORMA EIN 31-1172026 | Copying and duplicating Service code 36 | — | $18K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 | Actuarial Service code 11 | — | $16K |
| PITNEY BOWES PURCHASE POWER EIN 84-1386389 | Copying and duplicating Service code 36 | — | $14K |
| NICHOLAS COLOPY EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $14K |
| EMPLOYERS HEALTH COALITION, INC. EIN 34-1403820 | Insurance services Service code 23 | — | $12K |
| BRYANT KEITH EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $10K |
| SAMANTHA MITCHELL EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $10K |
| TRICIA BEAIR-WATSON EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $7K |
| KRISTIN BERGER EIN 31-6129964 EMPLOYEE | Employee (plan sponsor) Service code 35 | — | $6K |
| OPEN EDGE | Other services Service code 49 | 2578 W 600 N LINDON, UT 840421227 | $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 | 16,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,573 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 2,479 | $9.9M |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSURGH | 1,835 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,479 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.