No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO. EIN 86-0257201 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $1.1M |
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $861K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $122K |
| LOCAL 513 EIN 43-0338091 RELATED ADMINISTRATOR | Direct payment from the plan; Other fees Service code 50 | — | $66K |
| COMMERCE BANK EIN 48-0962626 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management Service code 19 | — | $33K |
| HARTNETT GLADNEY HETTERMAN, LLC EIN 43-1205253 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| ALOHA PRINT & COPYING NONE | Direct payment from the plan; Other fees Service code 50 | 212 MCMENAMY RD ST. PETERS, MO 63376 | $17K |
| NEPC, LLC EIN 26-1429809 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $14K |
| MILLAR, SCHAEFER, HOFFMAN & ROBERTS EIN 43-0639548 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| AMERICAN GRAPHICS PRINTING CO. NONE | Other fees; Direct payment from the plan Service code 50 | 34895 GROESBECK HWY CHARTER TWP OF CLINT, MI 48035 | $5K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $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 | 2,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,383 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,788 | $4.8M |
| Dental | DELTA DENTAL OF MISSOURI | 3,487 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,487 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.