| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING BENEFITS INSURANCE SERVICE3 Filed as: STERLING BENEFITS ADVISORS | 1173 JEFFERSON GREEN CIRCLE, 3A MIDLOTHIAN, VA 23113 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 6.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $264K |
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 50440 INDIANAPOLIS, IN 462500440 | $236K |
| ARNOLD AND KADJAN EIN 36-2498571 NONE | Legal Service code 29 | 203 NORTH LASALLE STREET STE 1650 CHICAGO, IL 60601 | $113K |
| GENESIS BENEFIT SOLUTIONS EIN 20-4039292 NONE | Consulting (general); Direct payment from the plan Service code 16 | 9045 E. 59TH STREET, SUITE 150 INDIANAPOLIS, IN 46216 | $29K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management fees paid directly by plan Service code 51 | 10 S. WACKER DR., SUITE 3500 CHICAGO, IL 60606 | $27K |
| K.B. PARRISH & CO., LLP EIN 35-0905983 NONE | Accounting (including auditing) Service code 10 | 6840 EAGLE HIGHLANDS WAY INDIANAPOLIS, IN 46254 | $24K |
| RICHARD J. WOLF AND COMPANY, INC. EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | P.O. BOX 591 PALOS PARK, IL 60464 | $11K |
| NYHART EIN 35-0966414 NONE | Actuarial Service code 11 | 8415 ALLISON POINTE BLVD, STE 300 INDIANAPOLIS, IN 462500440 | $8K |
| FIFTH THIRD BANK EIN 31-0676865 NONE | Custodial (securities); Direct payment from the plan Service code 19 | 5001 KINGSELY DRIVE CINCINNATI, OH 45227 | $6K |
| DIMEO SCHNEIDER & ASSOC., LLC EIN 36-4001764 NONE | Investment advisory (plan) Service code 27 | 500 W. MADISON, SUITE 1700 CHICAGO, IL 60661 | $5K |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 73 | $325K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 683 | $49K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 657 | $235K |
| Other(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 707 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.