| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FWY STE 100 DALLAS, TX 75244 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $197K | $197K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FWY STE 100 DALLAS, TX 75244 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $774K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $441K |
| HEALTH CARE COST MANAGEMENT CORP AK EIN 94-3283661 NONE | Other services; Direct payment from the plan Service code 49 | — | $203K |
| TELEDOC HEALTH EIN 04-3705970 NONE | Direct payment from the plan; Other services Service code 49 | — | $130K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $99K |
| GENARO GARCIA EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| ZELIS CLAIMS INTEGRITY, INC. EIN 86-1040704 NONE | Direct payment from the plan; Other services Service code 49 | — | $78K |
| PATTI JANUSIEWICZ EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $58K |
| RYAN ROSALES EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| BRIDGEHEALTH MEDICAL, INC. EIN 26-0804648 NONE | Other services; Direct payment from the plan Service code 49 | — | $51K |
| HEALTH FITNESS CORPORATION EIN 41-1580506 NONE | Direct payment from the plan; Other services Service code 49 | — | $49K |
| COLOR ART PRINTING EIN 92-0027042 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $43K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| CAMERON NEWSTROM EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| BENJAMIN NEFF EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| U.S. BANK NONE | Investment management; Direct payment from the plan Service code 28 | 200 S 6TH ST. MINNEAPOLIS, MN 55402 | $39K |
| CATHERINE LAURIO EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| JUSTINE BARRIENTOS EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| INTERNATIONAL DATA SYSTEMS INC EIN 01-0622708 NONE | Direct payment from the plan; Other services Service code 49 | — | $33K |
| VANESSA BUSBY EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| CYNTHIA JONES EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| MICHELLE HOKKANEN EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| JULIA BELARDE EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
| LOKAN & ASSOCIATES EIN 92-0169686 NONE | Direct payment from the plan; Other services Service code 49 | — | $28K |
| LAURA MAHORIC EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
| VISION SERVICE PLAN EIN 92-0078509 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $26K |
| SHORETT COMMUNICATIONS EIN 91-2196270 NONE | Direct payment from the plan; Other services Service code 49 | — | $25K |
| EDUCATION MANAGEMENT SERVICES EIN 92-0071890 NONE | Other services; Direct payment from the plan Service code 49 | — | $24K |
| FIDELITY HOLDING CO. EIN 41-0964356 NONE | Other services; Direct payment from the plan Service code 49 | — | $21K |
| EXPRESS BUSINESS SERVICES LLC EIN 91-1807227 NONE | Direct payment from the plan; Other services Service code 49 | — | $18K |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $17K |
| KEY BANK EIN 92-0089306 NONE | Direct payment from the plan; Investment management Service code 28 | — | $16K |
| PANGO TECHNOLOGY INC EIN 36-4505301 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities); Investment management; Direct payment from the plan Service code 19 | — | $9K |
| KEY BANK NATIONAL ASSOCIATION NONE | Investment management; Custodial (securities); Direct payment from the plan Service code 19 | 127 PUBLIC SQUARE, 17TH FLOOR CLEVELAND, OH 44114 | $9K |
| VITAL RECORDS HOLDINGS, LLC EIN 82-0796154 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| KEEPITSAFE, INC. EIN 46-4821305 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| AUKEMA & ASSOCIATES EIN 20-2023367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| RICOH USA INC. EIN 23-0334400 NONE | Direct payment from the plan; Other services Service code 49 | — | $6K |
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 | 2,825 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 879 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,810 | $93K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,814 | $3.9M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,810 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,814 | — |
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.
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.