| 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 | $13K | — | $13K | 6.63% |
| STERLING BENEFIT ADVISORS1 Filed as: STERLING BENEFIT ADVISORS,INC. | 1428 N. POTTER ROAD PARK RIDGE, IL 60068 | EXPRESS SCRIPTS, INC. | $6K | — | $6K | 4.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Contract Administrator Service code 13 | — | $198K |
| ARNOLD AND KADJAN EIN 36-2498571 NONE | Legal Service code 29 | — | $160K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $123K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $76K |
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $39K |
| RICHARD J. WOLF AND COMPANY, INC. EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| CAPTRUST EIN 26-0058143 NONE | Investment advisory (plan) Service code 27 | — | $22K |
| MCM CPAS & ADVISORS LLP EIN 27-1235638 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities) Service code 19 | — | $2K |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 66 | $189K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 698 | $53K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 66 | $128K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 714 | $305K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 698 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.