| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO | $59K | $0 | $59K | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $3.5M |
| CT PIPE TRADES BENEFIT FUNDS ADMIN EIN 06-1542648 ADMINISTRATIVE CORP | Plan Administrator Service code 14 | 1155 SILAS DEANE HIGHWAY WETHERSFIELD, CT 061094318 | $984K |
| ANTHEM HEALTH PLANS EIN 06-1475928 NONE | Insurance agents and brokers; Other commissions; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $534K |
| SEGAL COMPANY EIN 13-1928058 NONE | Consulting (pension) Service code 17 | 30 WATERSIDE DRIVE, SUITE 300 FARMINGTON, CT 06032 | $179K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $127K |
| HOLM & O'HARA LLP EIN 13-3591118 NONE | Legal Service code 29 | 3 WEST 35TH STREET, 9TH FLOOR NEW YORK, NY 100012204 | $87K |
| SEI EIN 23-1707341 NONE | Trustee (directed); Float revenue; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Investment management Service code 19 | 1 FREEDOM VALLEY DRIVE OAKS, PA 19456 | $83K |
| CT COALITION OF TAFT-HARTLEY FUNDS EIN 22-3176650 NONE | Other fees Service code 99 | — | $65K |
| SEGAL SELECT INSURANCE COMPANY EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance services Service code 23 | — | $43K |
| LOWER HUDSON VALLEY E.A.P. EIN 13-3240307 NONE | Other fees Service code 99 | 3505 HILL BOULEVARD YORKTOWN HEIGHTS, NY 10598 | $42K |
| PART D ADVISORS NONE | Other fees Service code 99 | 17199 N LAUREL PARK DRIVE SUITE 400 LIVONIA, MI 48152 | $41K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal Service code 29 | 333 EAST RIVER DRIVE, SUITE 101 EAST HARTFORD, CT 06108 | $31K |
| BEERS, HAMERMAN, COHEN & BURGER, PC EIN 47-2517893 NONE | Accounting (including auditing) Service code 10 | 234 CHURCH STREET, 14TH FLOOR NEWHAVEN, CT 06510 | $29K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Other fees Service code 99 | CUTHBERT BOULEVARD, SUITE 400 CHERRY HILL, NJ 08002 | $17K |
| ZELIS CLAIMS INTEGRITY, LLC NONE | Other fees Service code 99 | PO BOX 412162 BOSTON, MA 02241 | $16K |
| UCONN EIN 06-0772160 NONE | Other fees Service code 99 | 233 GLENBROOK ROAD STORRS, CT 06269 | $12K |
| MAGNANI GRAPHICS NONE | Other fees Service code 99 | 29 PETERS ROAD BLOOMFIELD, CT 06002 | $9K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing) Service code 10 | 255 CT-80 KILLINGWORTH, CT 06419 | $9K |
| GDIT MEDICARE COB NONE | Other fees Service code 99 | PO BOX 829968 PHILADELPHIA, PA 19182 | $8K |
| CONTEXT4 HEALTHCARE NONE | Other fees Service code 99 | 55 SHUMAN BLVD NAPERVILLE, IL 60563 | $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 | 1,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 764 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS, INC. | 1,383 | $0 |
| Life insurance | UNION LABOR LIFE INSURANCE, LLC | 1,942 | $281K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,490 | $807K |
| Other | UNION LABOR LIFE INSURANCE, LLC | 1,359 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,942 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.