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 | — | $71K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan; Actuarial; Consulting fees Service code 11 | — | $70K |
| COLLERAN, O'HARA & MILLS EIN 11-2940050 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| EPSTEIN BECKER & GREEN PC EIN 13-3031033 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $15K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management; Custodial (securities); Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 19 | — | $11K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $10K |
| AMERICAN REALTY ADVISORS, LLC EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $8K |
| CIGNA EIN 59-1031071 NONE | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $646 |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 389 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 985 | Active + retired/separated + beneficiaries. No dependents. |
| 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 | 1,013 | $392K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,590 | $12.8M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,013 | $392K |
| 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 rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
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.