| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 23 MAIDEN LANE NORTH HAVEN, CT 06473 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI STATE JOINT FUND EIN 06-0850110 AFFILIATED ORGANIZATION | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $282K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 06-1475928 NONE | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $194K |
| CLAIMS PROCESSOR EIN 06-0942903 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| MORGAN STANLEY EIN 20-8764829 NONE | Recordkeeping fees; Securities brokerage; Investment management fees paid directly by plan; Other commissions; Investment advisory (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $96K |
| FUND MANAGER EIN 06-0942903 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| MED CARE MANAGEMENT INC EIN 88-0429522 NONE | Other services; Other fees Service code 49 | — | $27K |
| NICHOLAS REUT EIN 06-0942903 EMPLOYER TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $26K |
| HMC HEALTHWORKS INC EIN 75-3189468 NONE | Other fees; Other services Service code 49 | — | $21K |
| EARNEST PARTNERS LLC NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1180 PEACHTREE STREET ATLANTA, GA 30309 | $19K |
| CRAIG MITCHELL EIN 06-0942903 UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $11K |
| ALLEGIANT RX EIN 02-6015031 NONE | Other services; Contract Administrator; Custodial (other than securities) Service code 13 | 51 GOFFSTOWN ROAD MANCHESTER, NH 03102 | $9K |
| OPTUM RX EIN 33-0441200 NONE | Other services; Claims processing; Other fees Service code 12 | — | $3K |
| MPL LLC EIN 06-1537302 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions 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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 467 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 579 | $70K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 579 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.