| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS NORTHEAST, INC. | 36 S CHARLES ST SUITE 1000 BALTIMORE, MD 21201 | UNION LABOR LIFE INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE, INC EIN 14-1704347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $222K |
| MEGHAN LEFSYK EIN 14-1461803 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $73K |
| STACY REDMOND EIN 14-1461803 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| BOLTON PARTNERS NORTHEAST, INC EIN 52-1231144 NONE | Consulting (general); Actuarial; Other commissions; Direct payment from the plan Service code 11 | — | $63K |
| ELIZABETH ROUNDS EIN 14-1461803 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| BENJAMIN ZONCA EIN 14-1461803 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| JENNIFER SCHNURR EIN 14-1461803 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| MODERN ADMINISTRATION SYSTEMS LLC EIN 92-2010862 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $31K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Recordkeeping fees; Investment management fees paid directly by plan; Other commissions; Custodial (securities); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Other investment fees and expenses; Securities brokerage commissions and fees; Securities brokerage Service code 15 | — | $20K |
| JOSEPH W MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $14K |
| INTEGRA CONSULTING, INC EIN 16-1600723 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $14K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
| CHECKWISE PAYROLL LLC EIN 14-1787001 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $6K |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 598 | $61K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 440 | $445K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 598 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.