| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE3 | 301 HYDE PARK DOYLESTOWN, PA 18902 | THE UNION LABOR LIFE INSURANCE COMPANY | $19K | — | $19K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $867K |
| JOINT INDUSTRY BOARD EIN 13-0891035 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $570K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $129K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $45K |
| SIRIUS COMPUTER SOLUTIONS LLC EIN 36-3310735 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $41K |
| DD SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| COHEN WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| INSIGHT NORTH AMERICA, LLC EIN 82-0983489 NONE | Investment management; Direct payment from the plan Service code 28 | — | $6K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 NONE | Other fees; Direct payment from the plan; Investment management Service code 28 | — | $197 |
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 | 1,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 790 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,311 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,311 | — |
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 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.