| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPL LLC3 | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $590 | — | $590 | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI STATE JOINT FUND EIN 06-0850110 AFFILIATED ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial; Accounting (including auditing); Direct payment from the plan; Legal; Claims processing; Plan Administrator; Contract Administrator Service code 10 | — | $262K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 06-1475928 NONE | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $145K |
| CLAIMS PROCESSOR EIN 06-0942914 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| MORGAN STANLEY EIN 20-8764829 NONE | Other commissions; Investment advisory (plan); Other investment fees and expenses; Securities brokerage; Other services; Investment management fees paid directly by plan Service code 27 | — | $44K |
| FUND MANAGER EIN 06-0942914 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| WAYCROSS PARTNERS LLC NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 1802 CROSSGATE LANE LOUISVILLE, KY 40222 | $21K |
| VALENZ HEALTH EIN 52-1169362 NONE | Other services; Other fees Service code 49 | — | $21K |
| UPRISE HEALTH EIN 35-1955822 NONE | Other services; Other fees Service code 49 | — | $16K |
| MASSUCCI & ASSOCIATES NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 648 MAIN STREET PLANTSVILLE, CT 06479 | $12K |
| ANTHONY LEPORE EIN 06-0942914 UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $11K |
| ALLEGIANT RX EIN 02-6015031 NONE | Other services; Consulting (general); Contract Administrator Service code 13 | 51 GOFFSTOWN ROAD MANCHESTER, NH 03102 | $9K |
| BOYD WATTERSON ASSET MGMT EIN 34-1922005 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| OPTUM RX EIN 33-0441200 NONE | Claims processing; Other fees; Other services Service code 12 | — | $7K |
| SCOTT BLAIS EIN 06-0942914 EMPLOYER TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $6K |
| ARTHUR BELL EIN 06-0942914 UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $6K |
| MPL LLC EIN 06-1537302 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; 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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 581 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,018 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 412 | $69K |
| Other | STANDARD INSURANCE COMPANY | 412 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.