No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 502 EARTH CITY EXPRESSWAY SUITE 203 EARTH CITY, MO 63045 | $1.5M |
| HYATT LEGAL PLANS EIN 34-1650967 NONE | Legal Service code 29 | — | $392K |
| HEALH MANAGEMENT CONCEPTS EIN 75-3189468 NONE | Consulting (general) Service code 16 | — | $386K |
| MED-CARE MANAGEMENT EIN 88-0429522 NONE | Consulting (general) Service code 16 | 2090 PALM BEACH LAKES BLVD STE 900 WEST PALM BEACH, FL 33409 | $126K |
| FIRSTMID EIN 37-0404035 NONE | Investment management Service code 28 | PO BOX 499 MATTOON, IL 61938 | $120K |
| H&H HEALTH ASSOC NONE | Consulting (general) Service code 16 | 3660 S. GEYER RD SUITE 100 ST LOUIS, MO 63127 | $66K |
| DENTAL NETWORK OF AMERICA EIN 36-3339483 NONE | Other fees Service code 99 | 701 E. 22ND STREET, SUITE 300 LOMBARD, IL 60148 | $55K |
| J W TERRILL EIN 43-1526995 NONE | Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | $45K |
| CAVANAGH AND OHARA EIN 37-1259635 NONE | Legal Service code 29 | 407 EAST ADAMS ST SPRINGFIELD, IL 62705 | $36K |
| MICHAEL CUMMINS CPA PC EIN 43-1555780 NONE | Accounting (including auditing) Service code 10 | — | $12K |
| UNITED ACTUARIAL SERIVICES INC EIN 35-2156428 NONE | Actuarial Service code 11 | — | $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 | 4,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 4,734 | $68.5M |
| Vision | VISION SERVICE PLAN | 4,738 | $828K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,707 | $319K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,733 | $2.6M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 4,707 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,738 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.