| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAIRNSTONE FINANCIAL LLC Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 46250 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIFIED GROUP SERVICES, INC. EIN 35-1973675 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | P.O. BOX 10 PENDLETON, IN 46064 | $246K |
| CAIRNSTONE FINANCIAL LLC EIN 27-2194899 BROKER | Other commissions Service code 55 | P.O. BOX 50530 INDIANAPOLIS, IN 46250 | $126K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET, SUITE 100 WAUSAU, WI 544034808 | $15K |
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 | 638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,304 | $69K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,304 | $69K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,304 | $69K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 638 | $357K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 1,304 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.