| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INGENIORX, INC.3 Filed as: INGENIORX | — | HEALTHKEEPERS INC | — | $136K | $136K | 2.56% |
| EXPRESS SCRIPTS, INC.3 Filed as: EXPRESS SCRIPTS | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | HEALTHKEEPERS INC | — | $98K | $98K | 1.83% |
| INGENIORX, INC.3 Filed as: INGENIORX INC | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM BLUE CROSS BLUE SHIELD | $0 | $73K | $73K | 2.19% |
| EXPRESS SCRIPTS, INC.3 Filed as: EXPRESS SCRIPTS INC | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM BLUE CROSS BLUE SHIELD | — | $62K | $62K | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHERN BENEFIT ADMINISTRATOR INC EIN 62-1116095 NONE | Plan Administrator Service code 14 | P. O. BOX 1449 GOODLETTSVILLE, TN 37070 | $216K |
| THE SEGAL COMPANY EIN 13-2619259 NONE | Actuarial; Consulting (general) Service code 11 | 1920 N STREET NW STE 400 WASHINGTON, DC 20036 | $153K |
| SEMO LAW GROUP EIN 47-0959287 NONE | Legal Service code 29 | 1800 M STREET STE 730 S WASHINGTON, DC 20036 | $49K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Investment management Service code 28 | 10800 MIDLOTHIAN TURNPIKE STE 217 RICHMOND, VA 23235 | $40K |
| WWITHUMSMITH+BROWN EIN 52-1044197 NONE | Accounting (including auditing) Service code 10 | 4600 EAST-WEST HIWAY STE 900 BETHESDA, MD 20814 | $28K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Custodial (securities) Service code 19 | 360 INTERSTATE NORTH PKWAY STE 50 ATLANTA, GA 30339 | $11K |
| DENNIS G. JENKINS CPA LLC EIN 20-5886120 NONE | Accounting (including auditing) Service code 10 | 1690 STONE VILLAGE LN BLDG 500 KENNESAW, GA 30152 | $11K |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 229 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 1,185 | $184K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS INC | 1,088 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.