| 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 | 3.07% |
| STERLING BENEFIT ADVISORS3 Filed as: STERLING BENEFIT ADVISORS INC. | 1173 JEFFERSON GREEN CIRCLE MIDLOTHIAN, VA 23113 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $52K | — | $52K | 3.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS INC. EIN 52-1590516 NONE | Claims processing; Other commissions; Contract Administrator; Direct payment from the plan; Other fees Service code 12 | — | $424K |
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $348K |
| EXPRESS SCRIPTS DBA MEDCO EIN 22-3461740 NONE | Claims processing; Contract Administrator Service code 12 | — | $80K |
| FOSTER AND FOSTER INC EIN 59-1921114 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $59K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $37K |
| CAPFINANCIAL PARTNERS, LLC EIN 26-0058143 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 | — | $12K |
| ISU-UNDERWOOD AGENCY EIN 35-1975594 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $12K |
| JP MORGAN CHASE NA EIN 13-6038768 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $8K |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 504 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 556 | $1.4M |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 594 | $59K |
| Prescription drug | EXPRESS SCRIPTS, INC | 524 | $1.6M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 732 | $260K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 594 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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.