| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REPUBLIC UNDERWRITERS3 | 1640 AXTELL DRIVE TROY, MI 48084 | STARR INDEMNITY & LIABILITY CO. | $3K | — | $3K | 20.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL LAW ENFORCEMENT ASSOC. EIN 38-6679709 AFFILIATE TO THE PLAN | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $594K |
| STEPHANI J. BALLARD, ESQUIRE EIN 26-4592314 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| OFFICES OF JEFFREY M. WEINER EIN 51-0303615 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| THE LANE LAW FIRM, PC EIN 52-2533687 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| TREECE ALFREY MUSAT PC EIN 84-1178875 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| FOSTER, GRAHAM, MILSTEIN EIN 84-1522386 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| VINCENT POPP ATTORNEY AT LAW EIN 46-2298555 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| THE TERRY FIRM LLC EIN 46-1700613 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| SMITH, WOOLF, ANDERSON & WILKINSON EIN 26-0676687 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| MARY W. SHARP, PLLC EIN 86-1081181 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| ALLYSON M. PREJEAN NONE | Legal; Direct payment from the plan Service code 29 | 820 E. ST. MARY BLVD. LAFAYETTE, LA 70503 | $11K |
| SILVERMAN, MCDONALD & FREIDMAN EIN 51-0355797 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| REDMANN LAW, PC EIN 04-7179744 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| NORTHWEST LEGAL ADVOCATES, LLC EIN 47-1754643 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| LIGUORI & MORRIS EIN 51-0386860 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| IRONWOOD INVESTMENT COUNSEL NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 14646 N KIERLAND, STE 135 PHOENIX, AZ 852542762 | $10K |
| JOHN S. MALIK EIN 71-5400029 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| BAPTISTE CONSULTING LLC EIN 81-3541701 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| REPUBLIC UNDERWRITERS INC. EIN 38-1853222 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| RUNFT & STEELE LAW OFFICES EIN 65-1199293 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| NEVADA JUSTICE GROUP, LTD EIN 45-5269120 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| ROBLES, RAEL & ANAYA, PC EIN 20-0191464 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
| LAW OFFICES OF DONALD CLEVELAND EIN 13-4256677 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 | 7,199 | 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) | 7,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 4,955 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,955 | — |
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.