| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIRK A PACATTE3 | 120 EXECUTIVE DRIVE HIGHLAND, IL 62249 | STANDARD INSURANCE COMPANY | $130K | — | $130K | 15.56% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 2.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Float revenue Service code 62 | — | $3.5M |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Direct payment from the plan Service code 50 | — | $905K |
| INDUSTRY FUNDS MANAGEMENT EIN 98-0569684 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $549K |
| E-PLAN EIN 20-3720767 NONE | Direct payment from the plan Service code 50 | — | $335K |
| DELTA DENTAL EIN 35-1545647 NONE | Direct payment from the plan Service code 50 | — | $239K |
| SMITH GRAHAM & CO EIN 76-0301817 NONE | Non-monetary compensation Service code 56 | — | $215K |
| BEACH POINT LOAN FUND EIN 80-0242162 NONE | Investment management fees paid directly by plan Service code 51 | — | $207K |
| ASB REAL ESTATE INVESTMENTS EIN 80-0618452 NONE | Investment management fees paid directly by plan Service code 51 | — | $150K |
| DONALD EDWARDS EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $109K |
| WRIGHT SHAGLEY & LOWERY, PC EIN 20-8333939 NONE | Direct payment from the plan Service code 50 | — | $106K |
| SOMER TAYLOR EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $89K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan Service code 50 | — | $82K |
| PRUDENTIAL LIFE INSURANCE EIN 22-1211670 NONE | Investment management fees paid directly by plan Service code 51 | — | $82K |
| SHELLEY LUFT EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $78K |
| SAV-RX NONE | Direct payment from the plan Service code 50 | 224 N PARK AVE FREMONT, NE 68025 | $68K |
| MELISSA WADE EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $68K |
| PHYSICIANS REVIEW NETWORK EIN 86-0801826 NONE | Direct payment from the plan Service code 50 | — | $61K |
| ROBERT HELLER EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $59K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management fees paid directly by plan Service code 51 | — | $57K |
| STEPHANIE PATRICK EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $55K |
| LISA WHITE EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $54K |
| MICHAEL EDWARDS EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $53K |
| KATHLEEN CULP EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $52K |
| FIRST FINANCIAL BANK EIN 35-0704860 NONE | Direct payment from the plan Service code 50 | — | $51K |
| ADRIENNE BROWN EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $49K |
| JOSH STOUT EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $48K |
| AMY MCGILL EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $46K |
| SHERRY ALLEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $45K |
| NORA LEWELLYN-KENNEDY EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $45K |
| ERIN LUKEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $45K |
| MICHAEL BRANNON EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $45K |
| NICOLE LAGRONE EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $45K |
| HEATHER FISHER EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $45K |
| KAITLIN BROWN EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $44K |
| ANDREA MCKINNEY EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $44K |
| KYLE COLETTI EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $44K |
| BRIANNA STEWART EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $44K |
| JOE FAUGHT EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $41K |
| RAMONA CRANDELL EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $41K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan Service code 50 | — | $40K |
| ALICIA ROWLEY EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $40K |
| JENNA STARBUCK EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $38K |
| STACY NGUYEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $36K |
| ANDREW KELLEY EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $34K |
| CHRISTINA BROWN EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $30K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan Service code 50 | — | $26K |
| KELSEY EMMONS EIN 35-0923209 EMPLOYEE | Direct payment from the plan Service code 50 | — | $26K |
| L.M. HENDERSON & COMPANY EIN 20-5520612 NONE | Direct payment from the plan Service code 50 | — | $25K |
| HARTFORD LIFE INSURANCE EIN 06-0974148 NONE | Investment management fees paid directly by plan Service code 51 | — | $22K |
| SACKRIDER & COMPANY NONE | Direct payment from the plan Service code 50 | 1925 WABASH AVE TERRE HAUTE, IN 47807 | $21K |
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 | 7,694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,890 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 8,562 | $833K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 8,100 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,562 | — |
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.