| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING BENEFIT ADVISORS3 Filed as: STERLING BENEFIT ADVISORS, INC. | 1428 POTTER ROAD PARK RIDGE, IL 60068 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 5.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $344K |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $285K |
| ARNOLD AND KADJAN EIN 36-2498571 NONE | Legal Service code 29 | — | $120K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $107K |
| RICHARD J. WOLF AND COMPANY, INC. EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | — | $39K |
| US IMAGING NETWORK LLC NONE | Contract Administrator Service code 13 | 733 THIRD AVE, 11TH FL NEW YORK, NY 10017 | $29K |
| MCM CPAS & ADVISORS LLP EIN 27-1235638 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| AXIA ADVISORY EIN 35-1859469 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $3K |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 67 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $301K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 791 | $53K |
| Prescription drug | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $301K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 750 | $244K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 791 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.