| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.93% |
| LABOR FIRST LLC3 Filed as: LABOR FIRST, LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MT. LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | $12K | $12K | 7.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $132K |
| ENNIS HARGADON, LLC EIN 47-1121653 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $41K |
| VINCENZA QUINLAN EIN 13-1895923 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $33K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $26K |
| HOLM & O'HARA EIN 13-3591118 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| HGK ASSET MANAGEMENT EIN 52-1296988 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $11K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $9K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $9K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $5K |
| M&T BANK EIN 16-0538020 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 73 | $159K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $68K |
| Vision | AETNA LIFE INSURANCE COMPANY | 87 | $9K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 335 | $21K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 335 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.