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 pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The 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 filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthRxIndemnity | HealthRxIndemnity | |
LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 436 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,060 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,590 | $12.8M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,060 | $409K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,590 | $12.8M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,060 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,590 | - |
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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FABIAN & BYRN, LLC EIN 25-1914887 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $82K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial; Direct payment from the plan; Consulting fees; Consulting (general) Service code 11 | — | $74K |
| EPSTEIN BECKER & GREEN PC EIN 13-3031033 NONE | Legal; Direct payment from the plan Service code 29 | — | $63K |
| COLLERAN, O'HARA & MILLS LLP EIN 11-2940050 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $21K |
| AMERICAN REALTY ADVISORS, LLC EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $12K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $10K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 19 | — | $8K |
| CIGNA EIN 59-1031071 NONE | Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $646 |
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.
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11 filings · 2015 to 2025