| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 Filed as: BENESYS INC, | 700 TOWER DRIVE, SUITE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $28K | — | $28K | 1.93% |
| SKODINSKI INSURANCE LLC3 | 2212 LINCOLN WAY WEST MISHAWAKA, IN 465441617 | HUMANA INSURANCE COMPANY | $450 | — | $450 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE CO. EIN 35-0781558 NONE | Claims processing Service code 12 | — | $362K |
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing Service code 12 | — | $280K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Accounting (including auditing) Service code 10 | — | $117K |
| HINES & ASSOCIATES, INC. NONE | Consulting (general) Service code 16 | 115 EAST HIGHLAND AVENUE ELGIN, IL 60120 | $87K |
| FOSTER & FOSTER NONE | Consulting (general) Service code 16 | 184 SHUMAN BLVD SUITE 305 NAPERVILLE, IL 60563 | $34K |
| MACQUIRE INVESTMENT MANAGEMENT NONE | Investment management Service code 28 | 2005 MARKET STREET PHILADELPHIA, PA 19103 | $19K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| WORKFORCE HEALTH - SOUTH BEND NONE | Other services Service code 49 | 19567 CLEVELAND ROAD SOUTH BEND, IN 46637 | $16K |
| URDA PROFESSIONAL CORPORATION EIN 35-6269273 NONE | Legal Service code 29 | — | $13K |
| CHEIRON, INC. EIN 13-4215617 NONE | Actuarial Service code 11 | — | $12K |
| NEW AVENUES NONE | Other services Service code 49 | PO BOX 360 SOUTH BEND, IN 46624 | $7K |
| SCREENSAFE INC. NONE | Other services Service code 49 | 2708 CATON FARM ROAD JOLIET, IL 60435 | $7K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Investment advisory (plan) Service code 27 | — | $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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 292 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | HUMANA INSURANCE COMPANY | 1,504 | $1.5M |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 965 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,504 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.