| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REPUBLIC UNDERWRITERS3 | P.O. BOX 1197 TROY, MI 48099 | STARR INDEMNITY & LIABILITY CO. | $1K | — | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL LAW ENFORCEMENT ASSOC. EIN 38-6679709 AFFILIATE TO THE PLAN | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $570K |
| STEPHANI J. BALLARD, ESQUIRE EIN 26-4592314 NONE | Legal; Direct payment from the plan Service code 29 | — | $44K |
| LIGUORI & MORRIS EIN 51-0386860 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| JEFFREY M. WEINER EIN 51-0303615 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| JOHN S. MALIK NONE | Legal; Direct payment from the plan Service code 29 | 100 EAST 14TH STREET WILMINGTON, DE 19801 | $13K |
| JARVIS & ASSOCIATES EIN 35-2353444 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| PAUL ROUHANA EIN 52-0974782 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| KATHERINE D. HARTMAN EIN 22-3244049 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| ALAN HARVEY EIN 47-1175643 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| BRIAN JULIAN EIN 82-0504369 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| DEANO & SCARRY, LLC EIN 20-4922576 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| DAVID R. DAMORE EIN 26-1562850 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
| BRETT M. NAUMCHEFF EIN 30-0112166 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| BLAKE HAMILTON EIN 87-0399832 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| SILVERMAN, MCDONLAD & FREIDMAN EIN 51-0355797 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| STACY PEREZ EIN 45-5269120 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| VINCENT POPP EIN 46-2298555 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 5,102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 3,118 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,118 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.