| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP NEW ENGLAND LLC | — | UNION LABOR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE, INC EIN 14-1704347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $201K |
| MEGHAN LEFSYK EIN 14-1461803 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $64K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $63K |
| MARIE GRAY EIN 14-1461803 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| STACY REDMOND EIN 14-1461803 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| BOLTON PARTNERS EIN 52-1231144 NONE | Consulting (general); Direct payment from the plan; Actuarial; Other commissions Service code 11 | — | $59K |
| LISA WALLIN EIN 14-1461803 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| MODERN ADMINISTRATION SYSTEMS LLC EIN 98-2010862 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $39K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment advisory (plan); Securities brokerage; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other investment fees and expenses; Securities brokerage commissions and fees; Other commissions Service code 15 | — | $18K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| JOSEPH W MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| KEY BANK EIN 31-1974250 NONE | Other services; Direct payment from the plan Service code 49 | — | $11K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
| INTEGRA CONSULTING, INC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 6207 KEYSTONE WAY JAMESVILLE, NY 13078 | $8K |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 640 | $63K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 467 | $380K |
| Other(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 640 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.