| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD, SUITE 240 CRANSTON, RI 02920 | SUN LIFE & HEALTH INSURANCE COMPANY | $10K | $12K | $22K | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTH CHOICE HMO, INC EIN 13-3874803 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $234K |
| EMPIRE HEALTH CHOICE ASSURANCE, INC EIN 23-7391136 NONE | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $126K |
| LABOR FIRST EIN 06-1750191 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 300 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | $48K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 22-3502478 NONE | Actuarial; Investment management fees paid directly by plan Service code 11 | 9000 MIDLANTIC DRIVE, SUITE 100 MT LAUREL, NJ 08054 | $33K |
| MSPC CERTIFIED PUBLIC ACCOUNTANTS A EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| STACEY BRAUN ASSOCIATES, INC EIN 13-2889432 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 377 BROADWAY NEW YORK, NY 10013 | $21K |
| SUMMIT ACTUARIAL SERVICES LLC EIN 77-0645890 NONE | Investment management fees paid directly by plan; Consulting (general) Service code 16 | 11 RACQUET ROAD NEWBURGH, NY 12550 | $19K |
| BARNES, IACCARINO & SHEPHERD, LLP EIN 11-2450206 NONE | Legal; Direct payment from the plan Service code 29 | 3 SURREY LANE HEMPSTED, NY 11550 | $15K |
| BOSTON PARTNERS EIN 98-0202744 NONE | Direct payment from the plan; Investment management Service code 28 | 1 BEACON STREET BOSTON, MA 02108 | $15K |
| WILMINGTON TRUST EIN 81-4430771 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $14K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 26 CENTURY HILL DRIVE LATHAM, NY 12110 | $6K |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 565 | $26K |
| Stop-loss / reinsurancereinsurance | SUN LIFE & HEALTH INSURANCE COMPANY | 249 | $456K |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH & LIFE INSURANCE COMPANY, INC | 565 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.