Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Ark Advisors Inc HealthPPOLife | HealthPPOLife | |
STDOtherLife | STDOtherLife |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 141 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 69 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 140 | $24K |
| Short-term disability(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 140 | $40K |
| Other(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 140 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $82K |
| DANIEL H. COOK ASSOCIATES, INC EIN 11-2424843 CONTRACT ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $72K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Actuarial; Direct payment from the plan Service code 11 | — | $40K |
| COLLERAN, O'HARA & MILLS, LLP EIN 11-2940050 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $27K |
| WELLS FARGO ADVISORS, LLC EIN 34-1542819 NONE | Float revenue; Distribution (12b-1) fees; Custodial (securities); Investment management fees paid directly by plan; Investment advisory (plan); Investment management fees paid indirectly by plan Service code 19 | — | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
11 filings · 2015 to 2025