| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPL LLC5 Filed as: MPL, LLC | 23 MAIDEN LANE NORTH HAVEN, CT 06473 | ANTHEM HEALTH PLANS, INC. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CT PIPE TRADES BENEFIT FUNDS ADMIN EIN 06-1542648 NONE | Plan Administrator Service code 14 | 1155 SILAS DEANE HIGHWAY WETHERSFIELD, CT 061094318 | $943K |
| ANTHEM HEALTH PLANS EIN 06-1475928 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Other commissions; Insurance agents and brokers; Float revenue; Other services Service code 12 | 370 BASSETT ROAD NORTH HAVEN, CT 06473 | $537K |
| SEGAL COMPANY EIN 13-1928058 NONE | Consulting (general); Consulting (pension) Service code 16 | 30 WATERSIDE DRIVE, SUITE 300 FARMINGTON, CT 06032 | $159K |
| HOLM & O'HARA LLP EIN 13-3591118 NONE | Insurance agents and brokers Service code 22 | 3 WEST 35TH STREET, 9TH FLOOR NEW YORK, NY 100012204 | $83K |
| SEI EIN 23-1707341 NONE | Investment management; Trustee (bank, trust company, or similar financial institution); Trustee (directed); Investment management fees paid indirectly by plan; Custodial (securities); Float revenue Service code 19 | 1 FREEDOM VALLEY DRIVE OAKS, PA 19456 | $82K |
| LOWER HUDSON VALLEY E.A.P. EIN 13-3240307 NONE | Other fees Service code 99 | 3505 HILL BOULEVARD YORKTOWN HEIGHTS, NY 10598 | $40K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Other fees Service code 99 | CUTHBERT BOULEVARD, SUITE 400 CHERRY HILL, NJ 08002 | $30K |
| BEERS, HAMERMAN, COHEN & BURGER, PC EIN 47-2517893 NONE | Accounting (including auditing) Service code 10 | 234 CHURCH STREET, 14TH FLOOR NEWHAVEN, CT 06510 | $29K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Insurance agents and brokers Service code 22 | 333 EAST RIVER DRIVE, SUITE 101 EAST HARTFORD, CT 06108 | $28K |
| HARRIS ROTHENBERG EIN 13-4147877 NONE | Other fees Service code 99 | 99 WALL STREET NEW YORK, NY 10005 | $8K |
| BUCKLEY, FRAME & BOUDREAU EIN 06-0931761 NONE | Accounting (including auditing) Service code 10 | 255 CT-80 KILLINGWORTH, CT 06419 | $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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 769 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 1,233 | $0 |
| Life insurance | UNION LABOR LIFE INSURANCE, LLC | 1,794 | $256K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,345 | $790K |
| Other | UNION LABOR LIFE INSURANCE, LLC | 1,198 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,794 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.