| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY UNDERWRITERS & BROKERS3 Filed as: INTEGRITY UNDERWRITERS & BROKER LLC | 4914 WEST GENESSEE STREET CAMILLUS, NY 13031 | THE UNION LABOR LIFE INSURANCE COMPANY | $24K | — | $24K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| V. LAGRECA EIN 11-1955915 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $214K |
| DICKINSON GROUP LLC EIN 20-1241472 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $129K |
| EMPIRE ANTHEM BC/BS OF NEW YORK EIN 20-5876774 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $89K |
| EASTERN STATES JOINT BOARD EIN 46-2849057 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $54K |
| MCCARTHY & PREECE PLLC EIN 11-3033680 NONE | Legal; Direct payment from the plan Service code 29 | — | $39K |
| WEAVER & TIDWELL, LLP EIN 75-0786316 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| J. GIOVINCO EIN 11-1955915 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $17K |
| SUMMIT ACTUARIAL SERVICES EIN 20-3838633 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $10K |
| MZQ CONSULTING, LLC (LUMENLIGHT) EIN 38-4010278 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| LAWRENCE S. FISCHER, CPA EIN 52-2326815 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $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 | 493 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 493 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.