| 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 | — | $217K | $217K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FWY STE 100 DALLAS, TX 75244 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $831K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $338K |
| ZELIS CLAIMS INTEGRITY, INC. EIN 86-1040704 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $233K |
| HEALTH CARE COST MANAGEMENT CORP AK EIN 94-3283661 NONE | Direct payment from the plan; Other services Service code 49 | — | $185K |
| RENALOGIC, INC EIN 22-3857341 NONE | Direct payment from the plan; Other services Service code 49 | — | $176K |
| ZELIS CLAIMS INTEGRITY, INC | Other fees Service code 99 | — | $165K |
| RAEL & LETSON, INC EIN 94-1701048 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $143K |
| TELEDOC HEALTH EIN 04-3705970 NONE | Direct payment from the plan; Other services Service code 49 | — | $114K |
| LAURIE BUTCHER EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| GREGORY STOKES EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $84K |
| GENARO GARCIA EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| PATTI JANUSIEWICZ EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| COLOR ART PRINTING EIN 92-0027042 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $73K |
| CATHERINE LAURIO EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| TRANSCARENT, INC EIN 84-3296541 NONE | Direct payment from the plan; Other services Service code 49 | — | $51K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| CAMERON NEWSTROM EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| COREEN SIMANTEL EIN 91-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| MELANIE FLOWERS EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| VANESSA BUSBY EIN 91-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| EDUCATION MANAGEMENT SERVICES EIN 92-0071890 NONE | Direct payment from the plan; Other services Service code 49 | — | $39K |
| MICHELLE HOKKANEN EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Direct payment from the plan; Investment management; Custodial (securities) Service code 19 | — | $32K |
| JIAN GUO EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| JULIA BELARDE EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| U.S. BANK NONE | Direct payment from the plan; Investment management; Custodial (securities) Service code 19 | 200 S 6TH ST. MINNEAPOLIS, MN 55402 | $28K |
| INTERNATIONAL DATA SYSTEMS INC EIN 01-0622708 NONE | Direct payment from the plan; Other services Service code 49 | — | $28K |
| CLARA BELLE GLORIA EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| VISION SERVICE PLAN EIN 92-0078509 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $26K |
| MEGHAN GRANDORFF EIN 92-6005171 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| LAURA MAHORIC EIN 92-6005171 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| LOKAN & ASSOCIATES EIN 92-0169686 NONE | Other services; Direct payment from the plan Service code 49 | — | $23K |
| EXPRESS BUSINESS SERVICES LLC EIN 91-1807227 NONE | Direct payment from the plan; Other services Service code 49 | — | $23K |
| CORELLIAN SOFTWARE INC EIN 47-1372895 NONE | Direct payment from the plan; Other services Service code 49 | — | $22K |
| SHORETT COMMUNICATIONS EIN 91-2196270 NONE | Other services; Direct payment from the plan Service code 49 | — | $22K |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $19K |
| EXTEND HEALTH EIN 26-0775680 NONE | Direct payment from the plan; Other services Service code 49 | — | $18K |
| VITAL RECORDS HOLDINGS, LLC EIN 82-0796154 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| KEEPITSAFE, INC. EIN 46-4821305 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| BIRCH HORTON BITTER & CHEROT EIN 92-0046806 NONE | Legal; Direct payment from the plan Service code 29 | — | $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 | 2,929 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,918 | $93K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,935 | $4.3M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,918 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,935 | — |
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 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.