No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST EIN 06-1750191 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.9M |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $814K |
| ACTIVATE HEALTHCARE EIN 27-0908752 NONE | Direct payment from the plan; Other services Service code 49 | — | $797K |
| S.C. MILLER & CO., INC. EIN 35-1820020 NONE | Direct payment from the plan; Copying and duplicating; Contract Administrator Service code 13 | — | $579K |
| EVERSIDE HEALTH LLC EIN 45-3449075 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $397K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $46K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Direct payment from the plan; Legal Service code 29 | — | $37K |
| RED CARD NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $37K |
| PNC EIN 25-1211909 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $36K |
| SAV-RX EIN 47-0527013 NONE | Other services; Direct payment from the plan Service code 49 | — | $28K |
| BLACKHORSE NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 2600 W 450 S LAFAYETTE, IN 47909 | $22K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| FORMS TECH INC EIN 36-3140728 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $19K |
| MIDAMERICA CLINICAL LABS LLC NONE | Other services; Direct payment from the plan Service code 49 | 866704 RELIABLE PARKWAY CHICAGO, IL 60686 | $17K |
| REGIONS BANK EIN 63-0371391 NONE | Direct payment from the plan; Other fees Service code 50 | — | $16K |
| L.M. HENDERSON & COMPANY, LLP EIN 20-5520612 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| M.A.I.L. INC. EIN 35-1835135 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $8K |
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 | 1,579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 541 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 775 | $1.7M |
| Dental(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 775 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.