| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REPUBLIC UNDERWRITERS3 | 1640 AXTELL DRIVE TROY, MI 48084 | STARR INDEMNITY & LIABILITY CO. | $2K | — | $2K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OFFICES OF JEFFREY M WEINER EIN 51-0303615 | Legal; Direct payment from the plan Service code 29 | 1332 KING STREET WILMINGTON, DE 19801 | $45K |
| ALLEN & ASSOCIATES EIN 46-0957206 | Legal; Direct payment from the plan Service code 29 | 4250 LANCASTER PIKE, STE. 230 WILMINGTON, DE 198051520 | $38K |
| TUNNELL & RAYSOR PA EIN 51-0352211 | Legal; Direct payment from the plan Service code 29 | 323 E. REHOBOTH AVE REHOBOTH BEACH, DE 19971 | $32K |
| SHAWN A. LUIZ ATTORNEY AT LAW EIN 06-1704363 | Legal; Direct payment from the plan Service code 29 | 841 BISHOP ST SUITE 200 HONOLULU, HI 96813 | $28K |
| 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 | $20K |
| LIGUORI & MORRIS EIN 51-0386860 | Direct payment from the plan Service code 50 | 46 THE GREEN DOVER, DE 19901 | $19K |
| TREECE ALFREY MUSAT PC EIN 84-1178875 | Legal; Direct payment from the plan Service code 29 | 633 17TH ST., STE. 2200 DENVER, CO 80202 | $18K |
| SUDDUTH & ASSOCIATES LLC EIN 47-4838411 | Legal; Direct payment from the plan Service code 29 | 1109 PITHON STREET LAKE CHARLES, LA 70601 | $15K |
| BATES & GARCIA EIN 20-4180046 | Legal; Direct payment from the plan Service code 29 | 201 N. CHARLES ST. STE 1900 BALTIMORE, MD 21201 | $15K |
| DOLL, JANSEN & FORD EIN 20-1933910 | Legal; Direct payment from the plan Service code 29 | 111 W. FIRST ST. STE 1100 DAYTON, OH 454021156 | $13K |
| TULLY RINCKEY PLLC EIN 20-2053454 | Legal; Direct payment from the plan Service code 29 | 441 NEW KRAMER ROAD ALBANY, NY 12205 | $12K |
| BARRY SALLINGER LAW | Legal; Direct payment from the plan Service code 29 | PO BOX 2433 LAFAYETTE, LA 70502 | $10K |
| FOSTER, GRAHAM, MILSTEIN EIN 84-1522386 | Legal Service code 29 | 360 S. GARFIELD ST., 6TH FL. DENVER, CO 80209 | $10K |
| LAW OFFICES OF PELAYES & YU EIN 82-1124132 | Legal; Direct payment from the plan Service code 29 | 10803 FOOTHILL BLVD STE 112 RANCHO CUCAMONGA, CA 91730 | $9K |
| MASTAGNI, HOLSTEDT EIN 94-2678460 | Legal; Direct payment from the plan Service code 29 | 1912 I STREET SACRAMENTO, CA 95811 | $8K |
| SMITH WOOLF ANDERSON WILKINSON EIN 26-0676687 | Legal; Direct payment from the plan Service code 29 | 3480 MERLIN DR IDAHO FALLS, ID 83404 | $8K |
| VINCENT POPP ATTORNEY AT LAW EIN 46-2298555 | Legal Service code 29 | 435 SHADOWLAWN AVE. DAYTON, OH 45419 | $7K |
| KEISER LAW FIRM EIN 72-1312904 | Legal; Direct payment from the plan Service code 29 | PO BOX 12358 ALEXANDRIA, LA 71315 | $7K |
| THE TERRY FIRM EIN 46-1700613 | Legal; Direct payment from the plan Service code 29 | PO BOX 846 EDGEWOOD, NM 87015 | $7K |
| MALLET LAW OFFICES PLLC EIN 83-4418261 | Legal; Direct payment from the plan Service code 29 | 1925 N. LOCUST GROVE ROAD MERIDIAN, ID 83646 | $6K |
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 | 10,077 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 5,600 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,600 | — |
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.