| 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 |
|---|---|---|---|
| TREECE ALFREY MUSAT PC EIN 84-1178875 | Direct payment from the plan; Legal Service code 29 | 633 17TH ST., STE. 2200 DENVER, CO 80202 | $128K |
| LAW OFFICES OF PELAYES & YU EIN 82-1124132 | Direct payment from the plan Service code 50 | 155 N RIVERVIEW DR STE 305 ANAHEIM HILLS, CA 92808 | $99K |
| 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 | $88K |
| 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 | $81K |
| FRONT LINE LAW LLC EIN 84-1091898 | Legal Service code 29 | 3401 QUEBEC STREET, STE 7000 DENVER, CO 80238 | $72K |
| SMITH JADIN JOHNSON PLLC EIN 83-1965247 | Legal; Direct payment from the plan Service code 29 | 7900 XERXES AVE S STE 2020 BLOOMINGTON, MN 55431 | $58K |
| SEAN J. LANE EIN 52-2533687 | Legal; Direct payment from the plan Service code 29 | 3131 S VAUGHN WAY, STE 220 AURORA, CO 80014 | $51K |
| KATE BUTLER LAW EIN 83-4312678 | Legal; Direct payment from the plan Service code 29 | 1509 GILPIN AVE STE 380 WILMINGTON, DE 19806 | $37K |
| FOSTER, GRAHAM, MILSTEIN EIN 84-1522386 | Direct payment from the plan; Legal Service code 29 | 360 S. GARFIELD ST., 6TH FL. DENVER, CO 80209 | $37K |
| MICHELLE ALLEN EIN 46-0957206 | Legal; Direct payment from the plan Service code 29 | 4250 LANCASTER PIKE STE. 230 WILMINGTON, DE 198051520 | $33K |
| BARRY SALLINGER LAW | Legal; Direct payment from the plan Service code 29 | PO BOX 2433 LAFAYETTE, LA 70502 | $31K |
| KEISER LAW FIRM EIN 72-1312904 | Legal; Direct payment from the plan Service code 29 | PO BOX 12358 ALEXANDRIA, LA 71315 | $30K |
| LAW OFFICE OF EUGENE CICARDO EIN 72-1227532 | Legal; Direct payment from the plan Service code 29 | PO BOX 11976 ALEXANDRIA, LA 71315 | $28K |
| OFFICES OF JEFFREY M WEINER EIN 51-0303615 | Legal; Direct payment from the plan Service code 29 | 1332 KING STREET WILMINGTON, DE 19801 | $21K |
| ATTORNEY AT LAW EIN 86-1081181 | Legal; Direct payment from the plan Service code 29 | 1015 SOUTH FOURTH STREET LOUISEVILLE, KY 40203 | $20K |
| DURIO MCGOFFIN STAGG GUIDRY EIN 72-1245194 | Legal; Direct payment from the plan Service code 29 | PO BOX 51308 LAFAYETTE, LA 70505 | $15K |
| PAUL ANTHONY ZARLENGO EIN 27-1299100 | Legal; Direct payment from the plan Service code 29 | 1720 S BELLAIRE ST. NO 1100 DENVER, CO 80222 | $13K |
| JOHN S MALIK | Direct payment from the plan Service code 50 | 100 EAST 14TH STREET WILMINGTON, DE 198013255 | $12K |
| THE LANDRY FIRM EIN 72-0959003 | Legal; Direct payment from the plan Service code 29 | PO BOX 3784 LAFAYETTE, LA 70502 | $12K |
| TULLY RINCKEY PLLC EIN 52-0974782 | Legal; Direct payment from the plan Service code 29 | 441 NEW KRAMER ROAD ALBANY, NY 12205 | $11K |
| KURMAN EIN 52-1518021 | Legal; Direct payment from the plan Service code 29 | PO BOX 69165 BALTIMORE, MD 212649165 | $10K |
| LEONI LAW EIN 81-4911412 | Legal; Direct payment from the plan Service code 29 | 2950 BUSKIRK AVE STE 300 WALNUT CREEK, CA 94597 | $9K |
| LAW OFFICES OF DANIEL MARKS EIN 27-1530647 | Legal; Direct payment from the plan Service code 29 | 610 S. NINTH STREET LAS VEGAS, NV 89101 | $9K |
| MARTIN G WHITE ATTORNEY AT LAW EIN 26-7719032 | Direct payment from the plan Service code 50 | 10524 MOSS PK RD. STE 204-143 ORLANDO, FL 32832 | $7K |
| BRETT L GRAYSON LLC EIN 47-1195263 | Legal; Direct payment from the plan Service code 29 | 850 KALISTE SALOOM RD STE 120 LAFAYETTE, LA 70508 | $7K |
| NAUMCHEFF LAW OFFICES PLLC EIN 30-0112166 | Legal; Direct payment from the plan Service code 29 | 39555 ORCHARD HILL PL STE 600 NOVI, MI 48375 | $7K |
| RICH CASSIDY LAW EIN 81-4056657 | Legal; Direct payment from the plan Service code 29 | 1233 SHELBURNE RD STE D5 SOUTH BURLINGTON, VT 05403 | $7K |
| LAW OFFICE OF RECHEL E BRITT EIN 46-4858551 | Legal; Direct payment from the plan Service code 29 | PO BOX 1245 SALISBURY, MD 21802 | $6K |
| GAAR LAW FIRM EIN 72-1492372 | Legal; Direct payment from the plan Service code 29 | 114 REPRESENTATIVE ROW LAFAYETTE, LA 70508 | $6K |
| MOIRA ARTIGUES | Legal; Direct payment from the plan Service code 29 | 1020 SOUTHHILL DR STE 380 CARY, NC 27513 | $6K |
| VOGEL LAW FIRM EIN 45-0348495 | Legal; Direct payment from the plan Service code 29 | PO BOX 1389 FARGO, ND 58107 | $5K |
| YOUTZ & VALDEZ PC EIN 03-0509471 | Legal; Direct payment from the plan Service code 29 | 900 GOLD AVE SW ALBUQUERQUE, NM 87102 | $5K |
| BOME & WILKES LLP EIN 72-1267958 | Legal; Direct payment from the plan Service code 29 | PO BOX 4305 LAFAYETTE, LA 70502 | $5K |
| ATTORNEYS HARTMAN CHARTERED EIN 22-3244049 | Legal; Direct payment from the plan Service code 29 | 68 EAST MAIN ST. STE A MOORESTOWN, NJ 080573334 | $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 | 13,252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | STARR INDEMNITY & LIABILITY CO. | 6,552 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,552 | — |
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.