No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 502 EARTH CITY EXPRESSWAY, STE 203 EARTH CITY, MO 63045 | $1.6M |
| METLIFE LEGAL PLANS, INC. EIN 34-1650967 NONE | Legal Service code 29 | — | $405K |
| FIRSTMID EIN 37-0404035 NONE | Investment management Service code 28 | PO BOX 499 MATTOON, IL 61938 | $249K |
| 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 |
| J W TERRILL EIN 43-1526995 NONE | Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | $60K |
| DENTAL NETWORK OF AMERICA EIN 36-3339483 NONE | Other fees Service code 99 | 701 E. 22ND STREET, SUITE 300 LOMBARD, IL 60148 | $58K |
| CAVANAGH AND OHARA EIN 37-1259635 NONE | Legal Service code 29 | 407 EAST ADAMS STREET SPRINGFIELD, IL 62705 | $54K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 N. MERIDIAN ST., STE 610 CARMEL, IN 46032 | $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 | 4,627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,754 | $289K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,627 | $3.4M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 4,754 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.