No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL COMPANY EIN 13-1928058 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $124K |
| EMPLOYEE EIN 06-6077019 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $99K |
| BUCKLEY, FRAME, BOUDREAU & CO., P.C EIN 06-0931761 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $43K |
| REID & RIEGE EIN 06-0868204 NONE | Legal; Direct payment from the plan Service code 29 | — | $40K |
| BOSTON TRUST & INVESTMENT MGT CO EIN 04-2273811 NONE | Custodial (securities); Direct payment from the plan; Investment management fees paid directly by plan; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Trustee (directed); Investment management Service code 19 | — | $37K |
| STANDARD DATA EIN 13-1945595 NONE | Other fees; Consulting (general); Direct payment from the plan Service code 16 | — | $30K |
| R. M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| DELTA DENTAL EIN 22-1896118 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $22K |
| LOWER HUDSON VALLEY, EAP EIN 13-3240307 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $15K |
| WELLS FARGO EIN 94-1347393 NONE | Custodial (securities); Direct payment from the plan; Other fees Service code 19 | — | $14K |
| NEPC, LLC EIN 26-1429809 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $5K |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 241 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 726 | $138K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 726 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.