| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REPUBLIC UNDERWRITERS3 | 1640 AXTELL DRIVE TROY, MI 48084 | STARR INDEMNITY & LIABILITY CO. | $2K | — | $2K | 24.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OFFICES OF JEFFREY M. WEINER EIN 51-0303615 | Legal; Direct payment from the plan Service code 29 | 1332 KING ST. WILMINGTON, DE 19801 | $52K |
| TREECE ALFREY MUSAT PC EIN 84-1178875 | Legal; Direct payment from the plan Service code 29 | 633 17TH ST., STE. 2200 DENVER, CO 80202 | $36K |
| KEISER LAW FIRM EIN 72-1312904 | Legal; Direct payment from the plan Service code 29 | PO BOX 12358 ALEXANDRIA, LA 71315 | $28K |
| ALLEN & ASSOCIATES EIN 46-0957206 | Legal; Direct payment from the plan Service code 29 | 4250 LANCASTER PIKE, STE. 230 WILMINGTON, DE 198051520 | $23K |
| THE SWAFFORD LAW FIRM PLLC EIN 27-0900192 | Legal; Direct payment from the plan Service code 29 | 207 THIRD AVE., NORTH FRANKLIN, TN 37064 | $16K |
| VINCENT POPP ATTORNEY AT LAW EIN 46-2298555 | Legal; Direct payment from the plan Service code 29 | 435 SHADOWLAWN AVE. DAYTON, OH 45419 | $15K |
| FOSTER, GRAHAM, MILSTEIN EIN 84-1522386 | Legal Service code 29 | 360 S. GARFIELD ST., 6TH FL. DENVER, CO 80209 | $11K |
| ADAMS FERRONE & FERRONE EIN 16-1672548 | Legal; Direct payment from the plan Service code 29 | 4333 PARK TERRACE DRIVE, SUITE 200 WESTLAKE VILLAGE, CA 91361 | $10K |
| LAW OFFICE OF STEPHANIE BALLARD EIN 26-4592314 | Legal; Direct payment from the plan Service code 29 | 1308 DELAWARE AVE. WILMINGTON, DE 19806 | $10K |
| THE LANE LAW FIRM, PC EIN 52-2533687 | Direct payment from the plan Service code 50 | 5105 DTC PARKWAY, STE. 450 GREENWOOD VILLAGE, CO 80111 | $10K |
| JOHN S. MALIK ATTORNEY AT LAW | Legal Service code 29 | 100 E. 14TH ST. WILMINGTON, DE 198013255 | $9K |
| LIGUORI & MORRIS EIN 51-0386860 | Direct payment from the plan Service code 50 | 46 THE GREEN DOVER, DE 19901 | $8K |
| FREKING MYERS & REUL EIN 31-1682453 | Legal; Direct payment from the plan Service code 29 | 600 VINE ST., 9TH FL. CINCINNATI, OH 45202 | $7K |
| JASON P. MATTHEWS PLLC EIN 46-2174114 | Direct payment from the plan Service code 50 | 130 W. SECOND ST., STE. 924 DAYTON, OH 45402 | $6K |
| MARY W. SHARP, PLLC EIN 86-1081181 | Legal; Direct payment from the plan Service code 29 | 1015 S. FOURTH ST. LOUISVILLE, KY 40203 | $5K |
| DEANO & SCARRY LLC EIN 20-4922576 | Legal Service code 29 | 53 W. JACKSON BLVD. 1610 CHICAGO, IL 60604 | $5K |
| TULLY FIRM EIN 52-0974782 | Legal; Direct payment from the plan Service code 29 | 305 ALLEGHENY AVE. TOWSON, MD 21204 | $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 | 7,665 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 5,413 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,413 | — |
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.