No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILLIMAN, INC. EIN 91-0675641 NONE | Direct payment from the plan; Consulting fees; Consulting (general); Actuarial Service code 11 | ONE PENNSYLVANIA PLAZA 38TH FLOOR NEW YORK, NY 10119 | $71K |
| FABIAN & BYRN, LLC EIN 25-1914887 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 400 FRANKLIN AVENUE PHOENIXVILLE, PA 19460 | $61K |
| COLLERAN, O'HARA & MILLS EIN 11-2940050 NONE | Legal; Direct payment from the plan Service code 29 | 1225 FRANKLIN AVENUE GARDEN CITY, NY 11530 | $31K |
| EPSTEIN BECKER & GREEN PC EIN 13-3031033 NONE | Legal; Direct payment from the plan Service code 29 | 250 PARK AVENUE NEW YORK, NY 10177 | $31K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT SUITE 100 READING, PA 19606 | $12K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 061521328 | $7K |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 398 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,729 | $11.1M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 969 | $239K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,729 | $11.1M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 571 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.