| 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 | $50K | — | $50K | 3.17% |
| STERLING BENEFIT ADVISORS3 Filed as: STERLING BENEFIT ADVISORS INC. | 1173 JEFFERSON GREEN CIRCLE MIDLOTHIAN, VA 23113 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $69K | — | $69K | 5.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS INC. EIN 52-1590516 NONE | Other commissions; Other fees; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $446K |
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $391K |
| FOSTER AND FOSTER INC EIN 59-1921114 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $72K |
| EXPRESS SCRIPTS DBA MEDCO EIN 22-3461740 NONE | Contract Administrator; Claims processing Service code 12 | — | $66K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| LAKESIDE WEALTH MANAGEMENT EIN 20-4455433 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $25K |
| ASHER, GITTLER & D'ALBA, LTD EIN 36-2786883 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| STEWART C. MILLER & COMPANY, INC EIN 35-1820020 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $12K |
| ISU-UNDERWOOD AGENCY EIN 35-1975594 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
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 | 694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 497 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 555 | $1.3M |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 698 | $62K |
| Prescription drug | EXPRESS SCRIPTS, INC | 526 | $1.6M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 850 | $266K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 698 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.