| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIRK A PACATTE3 | 120 EXECUTIVE DRIVE HIGHLAND, IL 62249 | STANDARD INSURANCE COMPANY | $151K | — | $151K | 21.88% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Direct payment from the plan; Legal; Claims processing Service code 12 | — | $3.2M |
| E-PLAN EIN 20-3720767 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.2M |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $870K |
| BEACH POINT LOAN FUND EIN 80-0242162 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $250K |
| SMITH GRAHAM & CO. INVESTMENT ADVIS EIN 76-0301817 NONE | Investment management fees paid directly by plan; Investment management; Non-monetary compensation Service code 28 | — | $236K |
| DELTA DENTAL EIN 35-1545647 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $232K |
| INDUSTRY FUNDS MANAGEMENT (US), LLC EIN 98-0569684 NONE | Investment management fees paid indirectly by plan; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Investment management Service code 28 | — | $163K |
| ASB REAL ESTATE INVESTMENTS EIN 80-0618452 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $143K |
| DONALD EDWARDS EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| ULLICO INVESTMENT ADVISORS EIN 52-6435649 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $89K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $88K |
| WRIGHT SHAGLEY & LOWREY, PC EIN 20-8333939 NONE | Direct payment from the plan; Legal Service code 29 | — | $86K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $82K |
| SOMER TAYLOR EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| SHELLEY LUFT EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| TIMOTHY PATRICK EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| MELISSA D. WADE EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| FIRST FINANCIAL BANK EIN 35-0704860 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $59K |
| STEPHANIE MARTIN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| MICHAEL EDWARDS EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $52K |
| LISA WHITE EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| ADREINNE BROWN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| SHERRY ALLEN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| JOSH STOUT EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| NORA LEWELLYN-KENNEDY EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| KATHLEEN CULP EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| RAMONA L. CRANDELL EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| ROBERT HELLER EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| KYLE A. COLETTI EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| BRIANNA R. STEWART EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| NICOLE LAGRONE EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| CANDIE ALLEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| KAITLIN BROWN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $40K |
| JOE FAUGHT EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| HARTFORD LIFE INSURANCE EIN 06-0974148 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $38K |
| LAKEN RUKES EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| ERIN LUKEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| SARAH MCELVOY EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $32K |
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| KELSEY EMMONS EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $26K |
| GEORGE NAILOR EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| PHYSICIANS REVIEW NETWORK EIN 86-0801826 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $17K |
| FILLENWARTH, DENNERLINE, GROTH & TO EIN 26-2311312 NONE | Direct payment from the plan; Legal Service code 29 | — | $10K |
| JEWETT PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | P.O. BOX 390 FARMERSBURG, IN 47850 | $8K |
| OPTUM HEALTH SERVICE NONE | Claims processing; Direct payment from the plan Service code 12 | P.O. BOX 88050 CHICAGO, IL 60680 | $6K |
| GATH LAW OFFICE NONE | Direct payment from the plan; Legal Service code 29 | P.O. BOX 44042 INDIANAPOLIS, IN 46244 | $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 | 7,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,872 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 8,354 | $691K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 7,914 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,354 | — |
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.