| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE3 | 1250 BETHLEHEM PIKE SUITE S212 HATFIELD, PA 19440 | THE UNION LABOR LIFE INSURANCE COMPANY | $12K | $12K | $23K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE EIN 11-3410766 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $885K |
| JOINT INDUSTRY BOARD EIN 13-0891035 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $591K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $125K |
| ALLIANT INSURANCE SERVICES EIN 33-0785439 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $53K |
| MILLIMAN INC EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $41K |
| SIRIUS COMPUTER SOLUTIONS LLC EIN 36-3310735 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| DEUTSCHE BANK EIN 13-6065488 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $20K |
| DD SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| INSIGHT NORTH AMERICA EIN 82-0983489 NONE | Investment management; Direct payment from the plan Service code 28 | — | $7K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $5K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 NONE | Float revenue; Distribution (12b-1) fees; Other fees; Investment management; Direct payment from the plan; Trustee (directed) Service code 25 | — | $571 |
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 | 1,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 708 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,510 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,510 | — |
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.