| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KTP ADVISORS, INC.4 Filed as: KTP ADVISORS INC | 130 BELLEVUE AVE STE 211 NEW PORT, RI 02840 | HUMANA | $425K | — | $425K | 5.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS INC | 36 S CHARLES ST STE 100 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS INC | 36 S CHARLES ST STE 100 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $115 | $115 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP, INC EIN 20-0188125 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $606K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $145K |
| AMALGAMATED BANK EIN 13-4920330 BANKING CUSTODY AND INV | Direct payment from the plan; Custodial (securities); Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan Service code 19 | — | $138K |
| UNITED HEALTHCARE EIN 36-2739571 NETWORK PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $112K |
| BOLTON PARTNERS INC EIN 52-1871508 ACTUARY/CONSULT | Actuarial; Investment advisory (plan); Direct payment from the plan; Consulting (general) Service code 11 | — | $94K |
| DELTA DENTAL EIN 31-0685339 NETWORK PROVIDER | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $77K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | — | $64K |
| WELLS FARGO EIN 94-1347393 INVESTMENT ADVISOR | Custodial (securities); Direct payment from the plan Service code 19 | — | $46K |
| BOND BROTHERS PRINTERS | Copying and duplicating; Direct payment from the plan Service code 36 | 7826 WEST 47TH STREET LYONS, IL 60534 | $44K |
| RHUMBLINE EIN 04-3118582 INVESTMENT ADVISOR | Direct payment from the plan; Investment management Service code 28 | — | $38K |
| ROGER MCCLOW EIN 36-7485085 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $34K |
| JAY YOUNGDAHL EIN 36-7485085 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $32K |
| EXPRESS SCRIPTS EIN 22-3461740 PRESCRIPTION MANAGER | Direct payment from the plan; Claims processing Service code 12 | — | $29K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 CLAIMS NEGOTIATION | Direct payment from the plan; Claims processing Service code 12 | — | $29K |
| O'DONOGHUE & O'DONOGHUE LLP EIN 53-0120528 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $28K |
| CUNEO, LAWSON, SHAY & STALEY LLC EIN 44-0642126 AUDITORS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
| EYEMED EIN 86-0773195 NETWORK PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| MICHAEL BAILEY EIN 36-7485085 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $12K |
| KEENAN & ASSOCIATES EIN 95-2798626 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $11K |
| BRIAN DALEY EIN 36-7485085 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $11K |
| ROGER MINOR EIN 36-7485085 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $10K |
| RONALD KAHN MEDICAL CONSULTANT | Other services; Direct payment from the plan Service code 49 | 1000 MIDLAND ST LITTLE ROCK, AR 72205 | $5K |
| KTP ADVISORS EIN 30-0126585 BROKER / CONSULTANT | Consulting (general); Insurance brokerage commissions and fees Service code 16 | — | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,129 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,746 | $1.5M |
| Prescription drug | HUMANA | 4,094 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,746 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.