| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | PARTNER RE AMERICA INSURANCE CO | $45K | — | $45K | 5.00% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT ST DETROIT, MI 482262513 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 2.10% |
| BENESYS INC3 | 700 TOWER DR SUITE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 2.10% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH LLC | Other services Service code 49 | 1400 WEWATTA STREET SUITE 350 DENVER, CO 80202 | $1.6M |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $599K |
| BENESYS, INC EIN 38-2383171 | Copying and duplicating; Plan Administrator; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $239K |
| PLUMBERS & STEAMFITTERS LOCAL 166 EIN 35-1776725 | Participant communication Service code 38 | — | $96K |
| ASHERKELLY EIN 84-3379113 | Legal Service code 29 | — | $63K |
| EPIC INSURANCE MIDWEST | Consulting (pension) Service code 17 | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | $45K |
| CUNI, RUST & STRENK EIN 31-1227755 | Actuarial Service code 11 | — | $37K |
| STEFANSKY, HOLLOWAY & NICHOLS INC EIN 38-2388845 | Accounting (including auditing) Service code 10 | — | $29K |
| SEGALL, BRYANT & HAMILL EIN 41-7188385 | Investment advisory (plan) Service code 27 | — | $23K |
| WHITINGER & COMPANY LLC EIN 35-0905017 | Accounting (including auditing) Service code 10 | — | $23K |
| AMERICAN GRAPHICS EIN 38-2090931 | Copying and duplicating Service code 36 | — | $22K |
| MCQUEEN INSURANCE GROUP EIN 20-1495393 | Insurance services Service code 23 | — | $17K |
| ATI PHYSICAL THERAPY | Other services Service code 49 | 790 REMINGTON BLVD BOLINGBROOK, IL 60440 | $12K |
| FIFTH THIRD BANK | Other fees; Custodial (securities) Service code 19 | 5050 KINGLEY DRIVE CINCINNATI, OH 45263 | $8K |
| MARINER INSTITUTIONAL LLC EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $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 | 856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 263 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,002 | $85K |
| Stop-loss / reinsurancereinsurance | PARTNER RE AMERICA INSURANCE CO | 864 | $901K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.