| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PROGRAMMERS, INC.3 Filed as: INSURANCE PROGRAMMERS INC | P.O. BOX 5817 WALLINGFORD, CT 06492 | THE UNION LABOR LIFE INSURANCE COMPANY | $12K | — | $12K | 4.50% |
| ZENITH AMERICAN SOLUTIONS3 | P.O. BOX 5817 WALLINGFORD, CT 06492 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS INC EIN 52-1590516 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $314K |
| ANTHEM HEALTH PLANS INC EIN 06-1475928 NONE | Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $295K |
| ANCHOR CAPITAL ADVISORS EIN 20-4669888 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $116K |
| INSURANCE PROGRAMMERS INC EIN 06-0811449 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $105K |
| ZELIS CLAIMS INTEGRITY INC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2 CROSSROADS DR BEDMINISTER, NJ 07921 | $101K |
| R.M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $80K |
| WELLS FARGO ADVISORS LLC EIN 23-2384840 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $78K |
| SAV-RX EIN 47-0527013 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $67K |
| SEGAL COMPANY EIN 13-1928058 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $49K |
| EMPLOYEE EIN 06-0683942 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| ALICARE EIN 13-3860528 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $34K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| MPL LLC EIN 06-1537302 NONE | Insurance services; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $21K |
| BUCKLEY, FRAME, BOUDREAU & CO., P.C EIN 06-0931761 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
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 | 803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 645 | $134K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 884 | $276K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 645 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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."
No prospect flags tripped on this filing.