| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REPUBLIC UNDERWRITERS3 | P.O. BOX 1197 TROY, MI 48099 | STARR INDEMNITY & LIABILITY CO. | $2K | — | $2K | 16.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL LAW ENFORCEMENT ASSOC. EIN 38-6679709 AFFILIATE TO THE PLAN | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $570K |
| STEPHANI J. BALLARD, ESQUIRE EIN 26-4592314 NONE | Legal; Direct payment from the plan Service code 29 | — | $82K |
| FOSTER, GRAHAM, MILSTEIN EIN 84-1522386 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| VINCENT POPP EIN 46-2298555 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| JAMES DAVID EIN 47-1754643 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| IRONWOOD INVESTMENT COUNSEL NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 14646 N KIERLAND STE 135 PHOENIX, AZ 852542762 | $10K |
| JOE SULLIVAN EIN 47-5171547 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| SILVERMAN, MCDONALD & FREIDMAN EIN 51-0355797 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| BRETT M. NAUMCHEFF EIN 30-0112166 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| REZA D. RISMANI EIN 84-1178875 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| BLAKE HAMILTON EIN 87-0399832 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| JEFFREY M. WEINER EIN 51-0303615 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| MICHAEL R. IPPOLITI EIN 51-0381921 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| JASON MATTHEWS, LLC EIN 46-2174114 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| JOHN G. SWIFT EIN 72-1508259 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
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 | 6,595 | 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) | 6,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 4,431 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,431 | — |
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.
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.