| 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 | UNITED AMERICAN INSURANCE COMPANY | $11K | — | $11K | 7.21% |
| STERLING BENEFIT ADVISORS3 Filed as: STERLING BENEFIT ADVISORS,INC. | 1428 N. POTTER ROAD PARK RIDGE, IL 60068 | EXPRESS SCRIPTS, INC. | $5K | — | $5K | 4.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $287K |
| ARNOLD AND KADJAN EIN 36-2498571 NONE | Legal Service code 29 | — | $210K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $128K |
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Claims processing Service code 12 | — | $127K |
| MCM CPAS & ADVISORS LLP EIN 27-1235638 NONE | Accounting (including auditing) Service code 10 | — | $46K |
| RICHARD J. WOLF AND COMPANY, INC. EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | — | $37K |
| CAPTRUST EIN 26-0058143 NONE | Investment advisory (plan) Service code 27 | — | $18K |
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 | 984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 60 | $151K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,031 | $72K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 60 | $125K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 984 | $307K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 1,031 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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."
No prospect flags tripped on this filing.