| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590156 NONE | Claims processing; Plan Administrator; Accounting (including auditing); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $286K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $241K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $88K |
| FIRST INTERSTATE WEALTH MANAGEMENT EIN 81-6023169 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $54K |
| DELTA DENTAL EIN 91-0621480 NONE | Other services; Insurance services; Direct payment from the plan Service code 23 | — | $48K |
| LIFEMAP ASSURANCE EIN 93-6030398 NONE | Insurance services; Direct payment from the plan; Other services Service code 23 | — | $43K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| INNOVATIVE CARE MANAGEMENT INC. EIN 93-1087669 NONE | Other services; Direct payment from the plan; Insurance services Service code 23 | — | $33K |
| US BANK EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $25K |
| EXPRESS SCRIPTS, INC. EIN 41-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $19K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| H.G. GUS SAND & ASSOCIATES EIN 81-0350794 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
| MILLIMAN, INC EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 633 | $45K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 718 | $921K |
| Other | LIFEMAP ASSURANCE COMPANY | 633 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.