| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP LLC | 301 ALBANY TURNPIKE CANTON, CT 06019 | THE UNION LABOR LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7130 COLUMBIA GATEWAY DRIVE A COLUMBIA, MD 210462966 | $186K |
| AETNA EIN 23-2229683 NONE | Claims processing; Direct payment from the plan Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $93K |
| COHEN, WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | 900 THIRD AVENUE NEW YORK, NY 100224869 | $20K |
| ELIXIR SOLUTIONS EIN 90-1011712 NONE | Direct payment from the plan; Claims processing Service code 12 | 2181 EAST AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $14K |
| JOHN OMEARA EIN 47-1997387 NONE | Direct payment from the plan; Trustee (individual) Service code 20 | 161 FOXWOOD DRIVE MOORESTOWN, NJ 08057 | $13K |
| GITOMER & BERENHOLZ, PC EIN 23-2749598 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 445 SHADY LANE HUNTINGDON VALLEY, PA 19006 | $12K |
| ADMINISTRATIVE SERVICES ONLY EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | 303 MERRICK ROAD 300 LYNBROOK, NY 11563 | $9K |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 288 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
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.