| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING BENEFIT ADVISORS3 | 1428 N. POTTER ROAD PARK RIDGE, IL 60068 | EXPRESS SCRIPTS INC. | $5K | — | $5K | 5.41% |
| STERLING BENEFIT ADVISORS3 | 1428 N. POTTER ROAD PARK RIDGE, IL 60068 | UNITED HEALTHCARE | $15K | — | $15K | 16.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Float revenue Service code 12 | — | $702K |
| EVERSIDE HEALTH LLC EIN 45-3449075 NONE | Direct payment from the plan; Other fees Service code 50 | — | $404K |
| ARNOLD AND KADJAN EIN 36-2498571 NONE | Legal; Direct payment from the plan Service code 29 | — | $386K |
| BENISTAR INC. EIN 06-1490685 NONE | Other services; Direct payment from the plan Service code 49 | — | $169K |
| MARK MCCLESKY EIN 35-6073275 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $130K |
| INNOVATION SOFTWARE SOLUTIONS NONE | Direct payment from the plan; Other services Service code 49 | — | $120K |
| EAGAN & ASSOCIATES PC EIN 35-2079674 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $106K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $89K |
| JACOB SWITZER EIN 35-6073275 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| RICHARD J. WOLF AND COMPANY, INC. EIN 36-3182363 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $66K |
| LISA WILDE EIN 35-6073275 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| JOSH TODD EIN 35-6073275 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| FIFTH THIRD BANK EIN 31-0676865 NONE | Direct payment from the plan; Other services Service code 49 | — | $32K |
| L. M. HENDERSON & CO, LLP EIN 20-5520612 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| COMPUSYS OF UTAH, INC EIN 84-0869853 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $25K |
| MIDWEST PRESORT SERVICES EIN 32-0092401 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $25K |
| WINCHESTER PROPERTIES EIN 80-0480837 NONE | Other fees; Direct payment from the plan Service code 50 | — | $23K |
| CAPFINANCIAL PARTNERS, LLC EIN 26-0058143 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $21K |
| VIRTUAL INNOVATIONS EIN 27-3239893 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
| ABS BUSINESS PRODUCTS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 2268 WESTBROOKE DR COLUMBUS, OH 43228 | $9K |
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 | 1,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,204 | $82K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 1,154 | $694K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 1,204 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,204 | — |
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.