| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | — | LIBERTY INSURANCE UNDERWRITERS, INC. | $20K | — | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 NONE | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $227K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $187K |
| CONNER & WINTERS LLP EIN 73-1388566 NONE | Legal; Direct payment from the plan Service code 29 | — | $74K |
| MORGAN STANLEY NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 200 CRESCENT COURT SUITE 900 DALLAS, TX 75201 | $49K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $34K |
| SPECTRUM REVIEW SERVICE, INC EIN 16-0318849 NONE | Direct payment from the plan; Other fees Service code 50 | — | $24K |
| FIRST FIDELITY BANK EIN 73-1100200 NONE | Direct payment from the plan; Other fees Service code 50 | — | $13K |
| SNYDER PRINTING NONE | Other fees; Direct payment from the plan Service code 50 | 3521 S. MOULTON DR. OKLAHOMA CITY, OK 73179 | $13K |
| RYAN BENEFITS INC EIN 46-1358532 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $7K |
| DENTAL NETWORK OF AMERICA, LLC EIN 36-3339483 NONE | Direct payment from the plan; Other fees Service code 50 | — | $7K |
| RBC WEALTH MANAGEMENT NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 100 CRESCENT COURT SUITE 1500 DALLAS, TX 75201 | $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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 5 | $14K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 561 | $42K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS, INC. | 539 | $392K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 561 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.