| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS3 | P.O. BOX 5817 WALLINGFORD, CT 06492 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS INC EIN 52-1590516 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $425K |
| ANTHEM HEALTH PLANS INC EIN 06-1475928 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Other services; Float revenue; Other commissions; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $350K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $159K |
| ANCHOR CAPITAL ADVISORS EIN 20-4669888 NONE | Investment management Service code 28 | — | $91K |
| R.M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| SEGAL COMPANY EIN 13-1928058 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $55K |
| SAV-RX EIN 47-0527013 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $54K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $45K |
| ALICARE EIN 13-3860528 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $40K |
| LOWER HUDSON VALLEY EAP NONE | Other fees; Direct payment from the plan Service code 50 | 3505 HILL BLVD, SUITE A YORKTOWN HTS., NY 10598 | $30K |
| EMPLOYEE EIN 06-0683942 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| ZELIS CLAIMS INTEGRITY INC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2 CROSSROADS DR BEDMINISTER, NJ 07921 | $13K |
| ADLER POLLOCK & SHEEHNAN, PC EIN 05-0343749 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $5K |
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 | 871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 982 | $175K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,023 | $334K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 982 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.