| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REPUBLIC UNDERWRITERS3 | 1640 AXTELL DRIVE TROY, MI 48084 | STARR INDEMNITY & LIABILITY CO. | $3K | — | $3K | 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 | $114K |
| FRONT LINE LAW LLC EIN 84-1091898 | Legal; Direct payment from the plan Service code 29 | 3401 QUEBEC STREET, STE 7000 DENVER, CO 80238 | $112K |
| FOSTER, GRAHAM, MILSTEIN EIN 84-1522386 | Direct payment from the plan; Legal Service code 29 | 360 S. GARFIELD ST., 6TH FL. DENVER, CO 80209 | $107K |
| 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 | $72K |
| KEISER LAW FIRM EIN 72-1312904 | Legal; Direct payment from the plan Service code 29 | PO BOX 12358 ALEXANDRIA, LA 71315 | $61K |
| TREECE ALFREY MUSAT PC EIN 84-1178875 | Direct payment from the plan; Legal Service code 29 | 633 17TH ST., STE. 2200 DENVER, CO 80202 | $48K |
| VOYLES LAW GROUP PLLC EIN 93-1356745 | Legal; Direct payment from the plan Service code 29 | 20987 N. JOHN WAYNE PKWY 152 MARICOPA, AZ 85139 | $32K |
| BARRY SALLINGER LAW | Legal; Direct payment from the plan Service code 29 | PO BOX 2433 LAFAYETTE, LA 70502 | $32K |
| JOHN S MALIK | Legal; Direct payment from the plan Service code 29 | 100 EAST 14TH STREET WILMINGTON, DE 198013255 | $25K |
| MICHELLE ALLEN EIN 46-0957206 | Legal; Direct payment from the plan Service code 29 | 4250 LANCASTER PIKE STE. 230 WILMINGTON, DE 198051520 | $22K |
| CANTAFIO & SONG EIN 83-1965247 | Legal; Direct payment from the plan Service code 29 | 2844 YOSEMITE STREET DENVER, CO 80238 | $20K |
| SEAN J. LANE EIN 52-2533687 | Legal; Direct payment from the plan Service code 29 | 3131 S VAUGHN WAY, STE 220 AURORA, CO 80014 | $17K |
| TULLY RINCKEY PLLC EIN 52-0974782 | Legal; Direct payment from the plan Service code 29 | 441 NEW KRAMER ROAD ALBANY, NY 12205 | $17K |
| LEONI LAW EIN 81-4911412 | Legal; Direct payment from the plan Service code 29 | 2950 BUSKIRK AVE STE 300 WALNUT CREEK, CA 94597 | $16K |
| STURGILL TURNER BARKER MOLONEY EIN 61-0576615 | Legal; Direct payment from the plan Service code 29 | 333 WEST VINE ST. STE 1500 LEXINGTON, KY 40507 | $15K |
| MANER COSTERISAN ACCOUNTING | Accounting (including auditing) Service code 10 | 2425 E. GRAND RIVER AVE, SUITE 1 LANSING, MI 48912 | $14K |
| ADAM LEVINE EIN 27-1530647 | Legal; Direct payment from the plan Service code 29 | 610 S. NINTH STREET LAS VEGAS, NV 89101 | $14K |
| ADAM L. MARANGELL EIN 20-4460588 | Legal; Direct payment from the plan Service code 29 | 155 N. RIVERVIEW DR. STE 201 ANAHEIM HILLS, CA 92808 | $13K |
| MARTIN G WHITE ATTORNEY AT LAW EIN 26-7719032 | Legal; Direct payment from the plan Service code 29 | 10524 MOSS PK RD. STE 204-143 ORLANDO, FL 32832 | $12K |
| THE LANDRY FIRM EIN 72-0959003 | Legal; Direct payment from the plan Service code 29 | PO BOX 3784 LAFAYETTE, LA 70502 | $11K |
| ATTORNEYS HARTMAN CHARTERED EIN 22-3244049 | Legal; Direct payment from the plan Service code 29 | 68 EAST MAIN ST. STE A MOORESTOWN, NJ 080573334 | $10K |
| ALLYSON M. MELANCON EIN 72-1244460 | Legal; Direct payment from the plan Service code 29 | PO BOX 2433 LAFAYETTE, LA 70502 | $9K |
| ANTHONY DELCOLLO EIN 52-1518021 | Legal; Direct payment from the plan Service code 29 | PO BOX 69165 BALTIMORE, MD 212649165 | $8K |
| THOMAS GROVER EIN 85-0482737 | Legal; Direct payment from the plan Service code 29 | 9400 HOLLY NE BLDG 4 ALBUQUERQUE, NM 87122 | $8K |
| NEWSOME AND ASSOCIATES, P.C. EIN 26-3902499 | Legal; Direct payment from the plan Service code 29 | 516 NORTH TEJON STREET COLORADO SPRINGS, CO 80903 | $8K |
| JOSEPH D. MALLET EIN 83-4418261 | Legal; Direct payment from the plan Service code 29 | 3363 N. LAKEHARBOR LANE BOISE, ID 83703 | $7K |
| EUGENE J. MAURER EIN 51-0260486 | Legal; Direct payment from the plan Service code 29 | 1201-A KING STREET WILMINGTON, DE 19801 | $7K |
| SUDDUTH & ASSOCIATES LLC EIN 47-4838411 | Legal; Direct payment from the plan Service code 29 | 1109 PITHON STREET LAKE CHARLES, LA 70601 | $6K |
| MICHAEL FREEMAN EIN 86-3841982 | Legal; Direct payment from the plan Service code 29 | 3719 EVERGREEN PKWY. STE A 122 EVERGREEN, CO 80439 | $6K |
| BAIRD MANDALAS BROCKSTEDT EIN 26-3665886 | Legal; Direct payment from the plan Service code 29 | 6 SOUTH STATE STREET DOVER, DE 19901 | $6K |
| DENNIS WILKINSON EIN 26-0676687 | Legal; Direct payment from the plan Service code 29 | 3480 MERLIN DR. IDAHO FALLS, ID 83404 | $5K |
| DEANO & SCARRY, LLC EIN 20-4922576 | Legal; Direct payment from the plan Service code 29 | 2206 N. MAIN STREET 154 WHEATON, IL 60187 | $5K |
| TORRES TRAINING SOLUTIONS LLC EIN 85-0639326 | Legal; Direct payment from the plan Service code 29 | 604 MEREDITH ROAD FELTON, DE 19943 | $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 | 12,649 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 6,243 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,243 | — |
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.