| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: ARTHUR J. GALLAGHER & CO | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | THE UNION LABOR LIFE INSURANCE COMPANY | $88K | — | $88K | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMALGAMATED LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE EIN 14-1704347 NONE | Contract Administrator; Claims processing Service code 12 | — | $239K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $222K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Claims processing Service code 12 | — | $53K |
| ROBERT CHEVERIE & ASSOCIATES LLC EIN 06-1335139 NONE | Legal Service code 29 | — | $50K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Investment management; Custodial (securities) Service code 19 | — | $39K |
| TEAL, BECKER, & CHIARAMONTE CPAS PC EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $37K |
| SUMMIT ACTUARIAL SERVICES EIN 77-0645890 NONE | Actuarial Service code 11 | — | $36K |
| DELTA DENTAL OF NEW YORK, INC. EIN 11-1980218 NONE | Claims processing Service code 12 | — | $19K |
| ATALANTA SOSNOFF CAPITAL, LLC EIN 36-6071399 NONE | Investment management; Other investment fees and expenses; Direct payment from the plan Service code 28 | — | $7K |
| CLEARBRIDGE EIN 16-1733443 NONE | Investment management; Other investment fees and expenses; Direct payment from the plan Service code 28 | — | $5K |
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 | 607 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 18 | $85K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 792 | $95K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 582 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.