| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CIARDIELLO INSURANCE AGENCY3 | 2725 WHITNEY AVENUE HAMDEN, CT 06518 | UNION LABOR LIFE INSURANCE CO. | $59K | — | $59K | 17.77% |
| THE CIARDIELLO INSURANCE AGENCY3 | 2725 WHITNEY AVENUE HAMDEN, CT 06518 | SYMETRA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 21.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERCIAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $472K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Direct payment from the plan; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $171K |
| SAV-RX EIN 47-0527013 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $83K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $57K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Direct payment from the plan; Investment management Service code 28 | — | $56K |
| USI NEW JERSEY EIN 13-3771734 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $55K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| CITIZENS BANK EIN 20-2635739 NONE | Other services; Direct payment from the plan Service code 49 | — | $27K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $23K |
| ZELIS HEALTHCARE LLC EIN 58-2167964 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $21K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $15K |
| INSURANCE PROGRAMMERS INC. EIN 06-0811449 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $8K |
| MPL, LLC EIN 06-1537302 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $8K |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 312 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 491 | $65K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO. | 519 | $332K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 491 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.