| 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 | EXPRESS SCRIPTS, INC | $49K | — | $49K | 3.29% |
| SIERRA HEALTH AND LIFE INSURANCE CO3 | 4316 RICE LAKE ROAD DULUTH, MN 55811 | UNITED HEALTH CARE GROUP | $67K | — | $67K | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other services; Claims processing Service code 12 | — | $355K |
| ZENITH AMERICAN SOLUTIONS INC. EIN 52-1590516 NONE | Contract Administrator; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $268K |
| STEWART C. MILLER & COMPANY, INC EIN 35-1820020 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $134K |
| FOSTER AND FOSTER INC EIN 59-1921114 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $117K |
| EXPRESS SCRIPTS DBA MEDCO EIN 22-3461740 NONE | Claims processing; Contract Administrator Service code 12 | — | $82K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Other services; Direct payment from the plan Service code 49 | — | $28K |
| LAKESIDE WEALTH MANAGEMENT EIN 20-4455433 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $25K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| ASHER, GITTLER & D'ALBA, LTD EIN 36-2786883 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| ISU-UNDERWOOD AGENCY EIN 35-1975594 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $11K |
| DENTAL NETWORK OF AMERICA EIN 36-3339483 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Direct payment from the plan; Other commissions; Copying and duplicating Service code 36 | — | $7K |
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 | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 431 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE GROUP | 540 | $1.2M |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 760 | $63K |
| Prescription drug | EXPRESS SCRIPTS, INC | 516 | $1.5M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 826 | $262K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 760 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.