| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN'L SVCS. | 4851 LBJ FWY STE 100 DALLAS, TX 75244 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $40K | $55K | 6.86% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $24K | $24K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX PRESCRIPTION SERVICES EIN 86-1323040 NONE | Direct payment from the plan; Other services; Contract Administrator; Claims processing Service code 12 | — | $2.3M |
| UMR, INC. EIN 39-1995276 NONE | Other services; Contract Administrator; Other fees; Non-monetary compensation; Claims processing; Direct payment from the plan Service code 12 | — | $458K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $239K |
| REHN & ASSOCIATES EIN 91-1008626 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan; Participant communication Service code 13 | — | $224K |
| RAEL & LETSON, INC. EIN 94-1701048 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $108K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $53K |
| SHEET METAL WORKERS LOCAL NO. 9 EIN 84-0318035 RELATED UNION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Participant communication; Copying and duplicating Service code 13 | — | $47K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $42K |
| MINES AND ASSOCIATES EIN 84-1028610 NONE | Direct payment from the plan; Other services Service code 49 | — | $36K |
| UNION EAP EIN 99-3469856 NONE | Direct payment from the plan; Other services Service code 49 | — | $14K |
| TRANSCARENT EIN 84-3296541 NONE | Other services; Contract Administrator; Claims processing Service code 12 | — | $14K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $9K |
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 | 994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,090 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.