| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G RIFFEL3 | 12157 CEDAR HILLS DR HIGHLAND, IL 62249 | STANDARD INSURANCE COMPANY | $167K | — | $167K | 16.74% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | $3.3M |
| HINES & ASSOCIATES, INC EIN 36-3545085 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $796K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $256K |
| IFM GLOBAL INFRASTRUCTURE EIN 98-0569684 NONE | Investment management; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Investment management fees paid indirectly by plan Service code 28 | — | $229K |
| SMITH GRAHAM & CO INV. ADVISORS, LP EIN 76-0301817 NONE | Investment management; Non-monetary compensation; Investment management fees paid directly by plan Service code 28 | — | $201K |
| BEACH POINT CAPITAL MANAGEMENT L.P. EIN 80-0242162 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $189K |
| E-PLAN EIN 20-3720767 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $189K |
| INVESCO ADVISERS, INC. EIN 58-1707262 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $120K |
| SOMER TAYLOR EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $98K |
| SHELLEY LUFT EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $94K |
| ULLICO INVESTMENT ADVISORS, INC. EIN 52-6435649 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $87K |
| SAV-RX PRESCRIPTION SERVICES EIN 47-0527013 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $79K |
| NATIONAL INVESTMENT SERVICES, LLC EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $77K |
| PRUDENTIAL INSURANCE CO EIN 22-1211670 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $73K |
| ROBERT HELLER EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| ERIN LUKEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| LISA WHITE EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| STACY NGUYEN EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| STEPHANIE PATRICK EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| WRIGHT, SHAGLEY, & LOWERY, PC EIN 20-8333939 NONE | Direct payment from the plan; Legal Service code 29 | — | $57K |
| KATHLEEN CULP EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| MICHAEL EDWARDS EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| ADRIENNE BROWN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| JOSH STOUT EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| MICHAEL BRANNON EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| RAMONA CRANDELL EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| AMY MCGILL EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| SHERRY ALLEN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| NORA LEWELLYN-KENNEDY EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| JENNA STARBUCK EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| ANDREA CONLEY EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| GRETCHYN LINK EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| KAITLIN BROWN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| BRIANNA MCCAMMON EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| VISION SERVICE PLAN EIN 06-1227840 | Claims processing; Direct payment from the plan Service code 12 | — | $45K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $45K |
| PARAMETRIC NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 3600 MINNESOTA DR STE 325 MINNEAPOLIS, MN 55435 | $36K |
| SARAH DUNCAN EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| HEATHER PATTERSON EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| CARISSA CUNNING EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $34K |
| ASHLEY KNOBLETT EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $32K |
| AMY CRUM EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $31K |
| DARREN LEE EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| FIRST FINANCIAL BANK EIN 35-0704860 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $26K |
| MIDWEST PRESORT EIN 32-0092401 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $26K |
| MELISSA WADE EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $24K |
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| GLEN POLLARD EIN 35-0923209 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $23K |
| ELIZABETH BEHRINGER EIN 35-0923209 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $18K |
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 | 8,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,871 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 9,126 | $736K |
| Life insurance | STANDARD INSURANCE COMPANY | 10,834 | $999K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 8,317 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,834 | — |
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.