| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHLAND AND ASSOCIATES, INC.3 | 22360 GARRISON DEARBORN, MI 48124 | THE UNION LABOR LIFE INSURANCE COMPANY | $99K | — | $99K | 9.98% |
| INSURANCE INQUIRES INC.3 | 3122 BLUE SKY LOOK JEFFERSONVILLE, IN 47130 | COMPANION LIFE INSURANCE | $25K | — | $25K | 11.93% |
| CUMBERLAND VALLEY INSURANCE3 Filed as: CUMBERLAND VALLEY INS. MANAGEMENT | 412 N. BROAD STREET LONDON, KY 40741 | COMPANION LIFE INSURANCE | $6K | — | $6K | 2.98% |
| CULPEPPER GROUP INC.3 | 3122 BLUE SKY LOOP JEFFERSONVILLE, IA 47130 | COMPANION LIFE INSURANCE | $2K | — | $2K | 0.91% |
| PLANCHOICE INC3 Filed as: PLANCHOICE INC. | 13257 O'BANNON STATION LOUISVILLE, KS 40223 | COMPANION LIFE INSURANCE | $2K | — | $2K | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACTIVATE HEALTHCARE EIN 27-0908752 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $4.0M |
| TEAMSTER LOCAL 135 EIN 35-0717060 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $780K |
| ALATEK, LLC EIN 62-1782185 OTHER | Other fees; Direct payment from the plan Service code 50 | — | $315K |
| AMERICAN BENEFITS EIN 55-0672859 CLAIMS | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $252K |
| KATZ, SAPPER & MILLER EIN 35-1090346 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $137K |
| YOUNG AT HEART EIN 45-1579476 OTHER | Other fees; Direct payment from the plan Service code 50 | — | $137K |
| PARAMOUNT HEALTH EIN 48-4748860 CONSULTING | Consulting (general); Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $123K |
| IRISH MECHANICAL EIN 45-0595989 OTHER | Other fees Service code 99 | — | $27K |
| VAXSERVE EIN 23-2970998 RX | Direct payment from the plan; Other fees Service code 50 | — | $21K |
| THOMPSON GROUP EIN 45-5436292 INSURANCE | Insurance services; Direct payment from the plan Service code 23 | — | $19K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $11K |
| PIONEER SERVICE EIN 46-3217516 OTHER | Other fees Service code 99 | — | $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 | 3,533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE | 2,259 | $212K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,418 | $988K |
| Other | COMPANION LIFE INSURANCE | 2,259 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,418 | — |
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.