| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHLAND AND ASSOCIATES, INC.3 | 25121 FORD ROAD DEARBORN, MI 48128 | THE UNION LABOR LIFE INSURANCE COMPANY | $138K | — | $138K | 10.00% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46240 | COMPANION LIFE INSURANCE | $41K | — | $41K | 14.99% |
| PLANCHOICE INC3 | PO BOX 1389 SHELBYVILLE, KY 40065 | COMPANION LIFE INSURANCE | $21K | — | $21K | 7.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH, LLC EIN 74-1624956 CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 1400 WEWATTA ST SUITE 350 DENVER, CO 802025553 | $11.6M |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 CLAIMS REPRICING | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $2.1M |
| TEAMSTERS LOCAL 135 EIN 35-0717060 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $855K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 CASE MANAGEMENT | Other services; Direct payment from the plan Service code 49 | 1596 WHITEHALL ROAD ANNAPOLIS, MD 214095669 | $642K |
| PARAMOUNT HEALTH EIN 48-4748860 CONSULTING | Direct payment from the plan; Consulting (general); Accounting (including auditing) Service code 10 | — | $124K |
| 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 | $120K |
| LEDBETTER PARTNERS, LLC EIN 03-0599899 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | — | $71K |
| ALATEK, LLC EIN 62-1782185 OTHER | Direct payment from the plan; Other fees Service code 50 | — | $64K |
| PILE CPAS EIN 35-0865680 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | ONE INDIANA SQUARE, SUITE 1200 INDIANAPOLIS, IN 46204 | $49K |
| THOMPSON GROUP EIN 45-5436292 INSURANCE | Direct payment from the plan; Insurance services Service code 23 | — | $33K |
| AMERICAN BENEFITS EIN 55-0672859 CLAIMS | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $33K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $17K |
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 | 3,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE | 3,516 | $276K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,440 | $1.4M |
| Other | COMPANION LIFE INSURANCE | 3,516 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,516 | — |
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.