| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT ADMINISTRATORS OF CT3 | 109 SANFORD STREET HAMDEN, CT 06514 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI STATE JOINT FUND EIN 06-0850110 AFFILIATED ORGANIZATION | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $923K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 06-1475928 NONE | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $608K |
| CLAIMS PROCESSOR EIN 06-0944011 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $265K |
| PREFERRED ACCESS NETWORK EIN 36-4018433 NONE | Insurance services; Other fees Service code 23 | — | $192K |
| MED CARE MANAGEMENT INC EIN 88-0429522 NONE | Other fees; Other services Service code 49 | — | $122K |
| FUND MANAGER EIN 06-0944011 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| S M ESPOSITO & COMPANY PC EIN 06-1298465 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| HMC HEALTHWORKS EIN 75-3189468 NONE | Other services; Other fees Service code 49 | 18 NORTH MAIN STREET WEST HARTFORD, CT 06107 | $69K |
| ALLEGIANT RX EIN 02-6015031 NONE | Contract Administrator; Consulting (general); Other services Service code 13 | 51 GOFFSTOWN ROAD MANCHESTER, NH 03102 | $42K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Other services; Other fees Service code 49 | — | $37K |
| INVESTMENT CONSULTING SERVICE EIN 32-0016703 NONE | Consulting fees; Investment advisory (plan); Direct payment from the plan Service code 27 | — | $35K |
| C.S. MCKEE, L.P. EIN 25-1900687 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | ONE GATEWAY CNETER PTITTSBURGH, PA 15222 | $33K |
| ROTHSCHILD SMALL/MID CAP FUND, LLC EIN 90-0087978 NONE | Investment management; Investment management fees paid directly by plan; Other investment fees and expenses Service code 28 | — | $31K |
| DAVIS VISION EIN 11-3051991 NONE | Other services; Other fees Service code 49 | — | $20K |
| BOYD WATTERSON ASSET MGMT, LLC EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1801 E. 9TH STREET, SUITE 1400 CLEVELAND, OH 44114 | $17K |
| M&T BANK EIN 16-0538020 NONE | Float revenue; Custodial (securities); Direct payment from the plan; Other fees Service code 19 | ONE MT PLAZA BUFFALO, NY 14203 | $15K |
| 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 | 1,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 824 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,878 | $230K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 1,878 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,878 | — |
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.