| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIARDILLO INSURANCE AGENCY3 | 2725 WHITNEY AVENUE HAMDEN, CT 06518 | UNION LABOR LIFE INSURANCE CO. | $61K | — | $61K | 17.94% |
| CIARDILLO INSURANCE AGENCY3 | 2725 WHITNEY AVENUE HAMDEN, CT 06518 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE PROGRAMMERS, INC. EIN 06-0811449 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $488K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $203K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $70K |
| USI - NEW JERSEY EIN 13-3771734 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $55K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment management Service code 28 | — | $54K |
| BUCKLEY, FRAME, BOUDREAU & CO., P.C EIN 06-0931761 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $27K |
| CITIZENS BANK EIN 20-2635739 NONE | Other fees Service code 99 | — | $26K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $17K |
| ETHICARE ADVISORS, INC. EIN 84-1622766 NONE | Investment management Service code 28 | — | $6K |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 320 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 659 | $79K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO. | 623 | $341K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 659 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.