| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $475 | — | $475 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $7.6M |
| CIGNA EIN 59-1031071 NONE | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | — | $2.0M |
| PAYER MATRIX EIN 81-3946362 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.4M |
| EVERSIDE HEALTH EIN 45-3449075 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $1.2M |
| HMC HEALTHWORKS INC. EIN 75-3189468 NONE | Other services; Direct payment from the plan Service code 49 | — | $461K |
| HELLO HEART NONE | Direct payment from the plan; Claims processing Service code 12 | 369 9TH AVE NEW YORK, NY 10001 | $346K |
| THE JAMES B. OSWALD COMPANY EIN 34-0445620 NONE | Direct payment from the plan; Other services Service code 49 | — | $281K |
| LIVONGO EIN 26-3542036 NONE | Other services; Direct payment from the plan Service code 49 | — | $173K |
| DELTA DENTAL PLAN OF OHIO EIN 31-0685339 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $155K |
| FAULKNER, HOFFMAN & PHILLIPS EIN 45-1540483 NONE | Legal; Direct payment from the plan Service code 29 | — | $135K |
| ABBY PECORARO EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Direct payment from the plan; Investment management Service code 28 | — | $118K |
| QWESTCOM EIN 34-1959482 NONE | Direct payment from the plan; Other services Service code 49 | — | $109K |
| ANDREA SMITH EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| MICHAEL KREIS EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $94K |
| LAMAR FLOYD EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| TELEDOC EIN 04-3705970 NONE | Direct payment from the plan; Other services Service code 49 | — | $85K |
| JERALYNN SCHNELL EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| GALLAGHER FIDUCIARY ADVISORS EIN 26-0516431 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $72K |
| LINDA JOHNS EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| KEITHA NUNN EIN 34-0753693 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| ANGELA KANZIG EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $48K |
| SHERI SARICH EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| BRIAND MORRIS EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| MORELANDCONNECT EIN 47-1044572 NONE | Other services; Direct payment from the plan Service code 49 | — | $44K |
| TODD ASSOCIATES EIN 34-0727780 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $43K |
| GINA MORGAN-BASHINSKY EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| JANINE VEVE EIN 34-0753693 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| VSP EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $30K |
| BNY MELLON ASSET SERVICING EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $26K |
| BLACKROCK INSTITUTIONAL TRUST EIN 94-3112180 NONE | Investment management; Direct payment from the plan Service code 28 | — | $21K |
| WESTERN ASSET EIN 04-3404987 NONE | Direct payment from the plan; Investment management Service code 28 | — | $14K |
| WAINBLAT LAW LLC EIN 85-4381750 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| ACUITY EIN 39-0491540 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
| CINCINNATI INSURANCE EIN 31-0542366 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $8K |
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 | 4,145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,702 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 2,414 | $2.4M |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 4,391 | $3.4M |
| Short-term disability | MEDMUTUAL LIFE INSURANCE COMPANY | 4,391 | $3.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 40 | $9K |
| Prescription drug | HUMANA INSURANCE COMPANY | 2,414 | $2.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8,489 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,489 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.