| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIPEFITTERS LOCAL 430 HEALTH &3 | WELFARE FUND 520 E CENTRAL PKWY EAST PLANO, TX 75074 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $37 | $37 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IECGROUP, INC. EIN 82-0497661 NONE | Copying and duplicating; Claims processing; Other services Service code 12 | — | $159K |
| MARTIN E SEGAL CO. EIN 94-1503999 NONE | Actuarial; Custodial (securities) Service code 11 | — | $64K |
| ROBEIN, URANN & LURYE EIN 72-0999672 ATTORNEY | Insurance agents and brokers Service code 22 | — | $26K |
| PLUMBERS LOCAL UNION 430 EIN 73-1530462 RELATED PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $22K |
| BRYAN, LITTLE, HALEY, & KENT PC EIN 73-0941849 AUDITORS | Accounting (including auditing) Service code 10 | — | $21K |
| RYAN BENEFITS, INC. EIN 20-2332795 NONE | Participant communication Service code 38 | — | $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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 521 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.