| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 109 SANFORD STREET HAMDEN, CT 06514 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| MPL LLC3 | 109 SANFORD STREET HAMDEN, CT 06514 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI STATE JOINT FUND EIN 06-0850110 AFFILIATED ORGANIZATION | Claims processing; Direct payment from the plan; Legal; Actuarial; Contract Administrator; Accounting (including auditing) Service code 10 | — | $1.1M |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 06-1475928 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $721K |
| CLAIMS PROCESSOR EIN 06-0689974 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $257K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment advisory (plan); Other investment fees and expenses; Other services; Other fees; Investment management fees paid directly by plan; Securities brokerage Service code 27 | — | $133K |
| FUND MANAGER EIN 06-0689974 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $115K |
| VALENZ HEALTH EIN 88-0429522 NONE | Other fees; Other services Service code 49 | — | $110K |
| UPRISE HEALTH EIN 35-1955872 NONE | Other services; Participant communication; Other fees Service code 38 | — | $76K |
| S.M. ESPOSITO & COMPANY, P.C. EIN 06-1298465 NONE | Accounting (including auditing); Other fees; Direct payment from the plan Service code 10 | — | $56K |
| BOYD WATTERSON ASSET MGMT LLC EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $46K |
| ALLEGIANT RX EIN 02-6015031 PBM CONSULTANT | Contract Administrator; Other fees; Consulting (general) Service code 13 | 51 GOFFSTOWN ROAD MANCHESTER, NH 03102 | $36K |
| EARNEST PARTNERS LLC NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1180 PEACHTREE STREET ATLANTA, GA 30309 | $28K |
| OPTUM RX EIN 33-0441200 PBM | Claims processing; Float revenue; Other services; Other fees Service code 12 | — | $23K |
| INVESCO MANAGED ACCOUNTS LLC NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 225 LIBERTY STREET NEW YORK, NY 10281 | $22K |
| EDWIN ROONEY EIN 06-0689974 UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $18K |
| GREAT LAKES ADVISORS NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 231 SOUTH LASALLE STREET CHICAGO, IL 60604 | $18K |
| VSP VISION CARE EIN 06-1227840 NONE | Claims processing; Contract Administrator; Other services Service code 12 | — | $14K |
| ALLIANCE BERNSTEIN NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 501 COMMERCE STREET NASHVILLE, TN 37203 | $13K |
| FOREST HARVEY EIN 06-0689974 EMPLOYER TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $12K |
| WAYCROSS PARTNERS LLC NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1802 CROSSGATE LANE LOUISVILLE, KY 40222 | $10K |
| PREFERRED NETWORK ACCESS EIN 36-4018433 NONE | Other fees; Other services Service code 49 | — | $6K |
| ROBERT DIGIROLAMO EIN 06-0689974 UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $5K |
| MPL LLC EIN 06-1537302 NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 900 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,996 | $251K |
| Other | STANDARD INSURANCE COMPANY | 1,996 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,996 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.