| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS NORTHEAST, INC. | 325 SENTRY PARKWAY, BLDG 5 WEST 200 BLUE BELL, PA 19422 | THE UNION LABOR LIFE INSURANCE COMPANY | $1K | — | $1K | 3.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS EIN 15-0329043 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $286K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Other services; Direct payment from the plan Service code 49 | 3700 KOPPERS STREET, 400 BALTIMORE, MD 21227 | $80K |
| BLITMAN & KING EIN 16-1047304 NONE | Direct payment from the plan; Legal Service code 29 | — | $63K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $60K |
| BONADIO & CO. LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $58K |
| KELLY WEBSTER EIN 16-0760551 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| MELANIE CAMMILERI EIN 16-0760551 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| STACEY WALKER EIN 16-0760551 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 INVESTMENT MANAGER | Direct payment from the plan; Investment management Service code 28 | — | $33K |
| LOCAL 46 SMW BUILDG CORP EIN 16-1225341 RELATED ENTITY | Direct payment from the plan; Other services Service code 49 | — | $32K |
| MINDY LACLAIR EIN 16-0760551 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $21K |
| LIFETIME BENEFIT SOLUTIONS THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 70 METRO PARK ROCHESTER, NY 14623 | $19K |
| KARPUS INVESTMENT MANAGER | Direct payment from the plan; Investment management Service code 28 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $12K |
| SHEET METAL WORKERS LOCAL 46 EIN 16-6053329 AFFILIATE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| SAGE INVESTMENT MANAGER | Direct payment from the plan; Investment management Service code 28 | 5900 SOUTHWEST PKWY UNIT 1 AUSTIN, TX 78735 | $7K |
| ENTRE COMPUTER SERVICES NONE | Direct payment from the plan; Other services Service code 49 | 2000 S. WINTON ROAD ROCHESTER, NY 14618 | $7K |
| PHOENIX GRAPHICS NONE | Other services; Direct payment from the plan Service code 49 | 1525 EMERSON STREET ROCHESTER, NY 14606 | $6K |
| PB PURCHASING POWER NONE | Other services; Direct payment from the plan Service code 49 | P.O. BOX 371874 PITTSBURGH, PA 15250 | $6K |
| WB MASON NONE | Direct payment from the plan; Other services Service code 49 | 45 VANTAGE POINT DRIVE ROCHESTER, NY 14624 | $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 | 495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 136 | $732K |
| Vision | DAVIS VISION | 1,064 | $111K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 444 | $43K |
| Prescription drug(3 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 136 | $722K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 444 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.