| 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 | $116K | — | $116K | 10.00% |
| INSURANCE INQUIRIES INC3 | 3122 BLUE SKY LOOP JEFFERSONVILLE, IN 47130 | COMPANION LIFE INSURANCE | $22K | — | $22K | 8.65% |
| ONI RISK PARTNERS INC3 | 1171 OVERCASH DR DUNEDIN, FL 34698 | COMPANION LIFE INSURANCE | $16K | — | $16K | 6.35% |
| PLANCHOICE INC3 | 13257 O'BANNON STATION LOUISVILLE, KS 40223 | COMPANION LIFE INSURANCE | $9K | — | $9K | 3.53% |
| CULPEPPER GROUP INC.3 Filed as: CULPEPPER GROUP INC | 3122 BLUE SKY LOOP JEFFERSONVILLE, IN 47130 | COMPANION LIFE INSURANCE | $908 | — | $908 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH, LLC EIN 74-1624956 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | 1400 WEWATTA ST SUITE 350 DENVER, CO 802025553 | $6.0M |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 CLAIMS REPRICING | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.9M |
| TEAMSTERS LOCAL 135 EIN 35-0717060 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $789K |
| SIHO MANAGEMENT EIN 47-2621720 CASE MANAGEMENT | Other services; Direct payment from the plan Service code 49 | — | $268K |
| ALATEK, LLC EIN 62-1782185 OTHER | Direct payment from the plan; Other fees Service code 50 | — | $171K |
| PARAMOUNT HEALTH EIN 48-4748860 CONSULTING | Direct payment from the plan; Accounting (including auditing); Consulting (general) Service code 10 | — | $122K |
| DELTA DENTAL PLAN OF INDIANA, INC. EIN 35-1545647 BENEFITS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 225 SE ST STE 358 INDIANAPOLIS, IN 46202 | $94K |
| KATZ, SAPPER & MILLER EIN 35-1090346 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $51K |
| AMERICAN BENEFITS EIN 55-0672859 CLAIMS | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $43K |
| LEDBETTER PARISI EIN 03-0599899 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | — | $37K |
| THOMPSON GROUP EIN 45-5436292 INSURANCE | Direct payment from the plan; Insurance services Service code 23 | — | $35K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $32K |
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 | 3,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE | 3,318 | $254K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,216 | $1.2M |
| Other | COMPANION LIFE INSURANCE | 3,318 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,318 | — |
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.