| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPL LLC3 | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI STATE JOINT FUND EIN 06-0850110 AFFILIATED ORG. | Claims processing; Direct payment from the plan; Legal; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator; Actuarial Service code 10 | — | $990K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 06-1475928 NONE | Insurance agents and brokers; Float revenue; Other commissions; Claims processing; Non-monetary compensation; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $568K |
| CRESENT CAPITAL GROUP NONE | Investment management fees paid directly by plan; Shareholder servicing fees; Investment management; Other investment fees and expenses; Other fees Service code 28 | 11100 SANTA MONICA BLVD SUITE 2000 LOS ANGELES, CA 90025 | $388K |
| CLAIMS PROCESSOR EIN 06-0942913 EMPLOYEE | Employee (plan); Accounting (including auditing); Direct payment from the plan Service code 10 | — | $189K |
| ULLICO INVESTMENT ADVISORS, INC. EIN 90-0622302 NONE | Investment management; Other investment fees and expenses; Investment management fees paid directly by plan Service code 28 | 8403 COLESVILLE ROAD SILVER SPRING, MD 20910 | $115K |
| FUND MANAGER EIN 06-0942913 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| VALENZ HEALTH EIN 52-1169362 NONE | Other fees; Other services Service code 49 | — | $90K |
| UPRISE HEALTH EIN 35-1955872 NONE | Other services; Other fees Service code 49 | — | $59K |
| REYNOLDS CONSULTING SERVICES,LLC NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 25 NEWBRIDGE ROAD HICKSVILLE, NY 11801 | $51K |
| BOYD WATTERSON ASSET MGMT EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $38K |
| ALLEGIANT RX EIN 02-6015031 NONE | Consulting (general); Contract Administrator; Other fees Service code 13 | 51 GOFFSTOWN ROAD MANCHESTER, NH 03102 | $38K |
| PREFERRED NETWORK ACCESS EIN 36-4018433 NONE | Other services; Other fees Service code 49 | — | $36K |
| TIMOTHY CASEY EIN 06-0942913 EMPLOYER TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $29K |
| HINGE HEALTH EIN 81-1884841 NONE | Other fees; Other services Service code 49 | — | $25K |
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Other services; Insurance services Service code 23 | — | $22K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management; Custodial (securities); Securities brokerage; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $15K |
| THOMAS BAYUSIK EIN 06-0942913 UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $15K |
| VSP VISION CARE EIN 06-1227840 VISION BENEFITS | Other fees; Other services; Claims processing Service code 12 | — | $11K |
| 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 | 1,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 948 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,542 | $229K |
| Other | STANDARD INSURANCE COMPANY | 1,542 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.