| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERNATIVE RISK SOLUTIONS LLC3 Filed as: ALTERNATIVE RISK SOLUTIONS, LLC | — | THE NORTH RIVER INSURANCE COMPANY | — | $86K | $86K | 10.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD, STE 1200 ST. LOUIS, MO 63105 | THE NORTH RIVER INSURANCE COMPANY | — | — | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 15.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX EIN 86-1323040 NONE | Contract Administrator; Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $1.1M |
| EVERSIDE, LLC EIN 45-3449075 NONE | Other services Service code 49 | 1400 WEWATTA ST, STE 350 DENVER, CO 80202 | $322K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 THIRD-PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator Service code 12 | 909 S. MERIDIAN AVE., SUITE 580 OKLAHOMA CITY, OK 73108 | $281K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $199K |
| COLONY CAPITAL MANAGEMENT, INC. EIN 58-2533667 | Investment advisory (plan); Investment management Service code 27 | 4401 NORTHSIDE PKWY NW, SUITE 975 ATLANTA, GA 30327 | $86K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $83K |
| DIGITAL INSURANCE EIN 35-2232153 CONSULATANT | Consulting (general) Service code 16 | 8235 FORSYTH BLVD, STE 150 CLAYTON, MO 63105 | $70K |
| COMMERCE BANK EIN 48-0962626 INVESTMENT MANAGER | Investment management Service code 28 | 922 WALNUT STREET KANSAS CITY, MO 64106 | $64K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Plan Administrator; Insurance services; Other insurance fees and expenses Service code 14 | 1000 MIDANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | $50K |
| HAMMOND & SHINNERS, P.C. EIN 43-1429257 NONE | Legal Service code 29 | 13205 MANCHESTER RD, STE 210 ST. LOUIS, MO 63131 | $24K |
| GRABEL SCHNIEDERS HOLLMAN & CO EIN 43-1171178 NONE | Accounting (including auditing) Service code 10 | 206 W ARGONNE, SUITE 200 KIRKWOOD, MO 63122 | $17K |
| BANK OF LABOR EIN 48-0150325 NONE | Investment management Service code 28 | 8325 LENEXA DRIVE LENEXA, KS 66214 | $7K |
| MILLIMAN, INC. EIN 91-0675941 NONE | Actuarial Service code 11 | 500 N. BROADWAY, STE 1750 ST. LOUIS, MO 63102 | $7K |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 408 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 274 | $407K |
| Dental | AETNA LIFE INSURANCE CO. | 1,370 | $487K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,283 | $91K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 0 | $863K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,283 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.