| 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 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $457K |
| ANTHEM HEALTH PLANS INC EIN 06-1475928 NONE | Other services; Insurance agents and brokers; Other commissions; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $345K |
| ANCHOR CAPITAL ADVISORS EIN 20-4669888 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $214K |
| R.M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $73K |
| SAV-RX EIN 47-0527013 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $64K |
| SEGAL COMPANY EIN 13-1928058 NONE | Direct payment from the plan Service code 50 | — | $63K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $56K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $48K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Other fees; Direct payment from the plan Service code 50 | — | $25K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $21K |
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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS INC | 130 | $554K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 882 | $148K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 857 | $340K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 882 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.