| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G RIFFEL3 | 104 EXECUTIVE DR HIGHLAND, IL 62249 | STANDARD INSURANCE COMPANY | $304K | — | $304K | 17.00% |
| MICHAEL G RIFFEL3 | 104 EXECUTIVE DR HIGHLAND, IL 62249 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 1.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Other services; Claims processing; Float revenue Service code 12 | — | $3.8M |
| HINES & ASSOCIATES, INC EIN 36-3545085 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.0M |
| IFM INVESTORS PTY LTD. EIN 98-0569684 NONE | Investment management fees paid indirectly by plan; Investment management; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States) Service code 28 | — | $332K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $280K |
| BEACH POINT CAPITAL MANAGEMENT L.P. EIN 80-0242162 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $234K |
| LOOMIS EIN 04-3200030 NONE | Investment management; Direct payment from the plan Service code 28 | — | $172K |
| INVESCO ADVISERS, INC. EIN 58-1707262 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $162K |
| NATIONAL INVESTMENT SERVICES, LLC EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $143K |
| ULLICO INVESTMENT ADVISORS, INC. EIN 52-6435649 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $129K |
| SOMER TAYLOR EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| SHELLEY LUFT EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $105K |
| SAV-RX PRESCRIPTION SERVICES EIN 47-0527013 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $86K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $85K |
| ERIN EDINGTON EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| ROBERT HELLER EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| LISA WHITE EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| MICHAEL BRANNON EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| LEDBETTER PARISI LLC EIN 03-0599899 NONE | Legal; Direct payment from the plan Service code 29 | — | $65K |
| KATHLEEN CULP EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| STEPHANIE PATRICK EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| MICHAEL EDWARDS EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| ADRIENNE BROWN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| SHERRY ALLEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| JOSH STOUT EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| JENNA STARBUCK EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| KAITLIN BROWN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| PARAMETRIC NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 3600 MINNESOTA DR STE 325 MINNEAPOLIS, MN 55435 | $55K |
| CARLYLE EIN 52-1988385 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $55K |
| NORA LEWELLYN-KENNEDY EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| AMY TRUMMER EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| ASHLEY BUKER EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| ANDREA CONLEY EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| ASHLEY BUNCH EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| DANIELLE BROWN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| BRIANNA MCCAMMON EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $45K |
| CHRISTINE MILLER EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| SARAH HUFFINGTON EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| CARISSA CUNNING EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| PART D ADVISORS EIN 85-3689655 NONE | Direct payment from the plan; Other fees Service code 50 | — | $33K |
| MIDWEST PRESORT EIN 32-0092401 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $29K |
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| GRETCHYN LINK EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| SACKRIDER & COMPANY, INC. EIN 35-1327464 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| PRUDENTIAL INSURANCE CO EIN 22-1211670 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $23K |
| MLS GROUP OF COMPANIES, LLC NONE | Direct payment from the plan; Claims processing Service code 12 | 20750 CIVIC CENTER DR SOUTHFIELD, MI 48076 | $23K |
| THE NORTHERN TRUST COMPANY EIN 36-2723087 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $22K |
| LYNSTONE EIN 98-1734692 NONE | Investment management; Direct payment from the plan Service code 28 | — | $17K |
| GATH LAW OFFICE NONE | Direct payment from the plan; Legal Service code 29 | PO BOX 44042 INDIANAPOLIS, IN 46244 | $12K |
| GOLDMAN SACHS EIN 13-4019460 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 200 WEST STREET NEW YORK, NY 10282 | $6K |
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 | 9,004 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,798 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 10,785 | $792K |
| Life insurance | STANDARD INSURANCE COMPANY | 10,249 | $1.8M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 9,274 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,785 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.