| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 25 SENTRY PARKWAY EAST, SUITE 100 BLUE BELL, PA 19422 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 2.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $191K |
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| SEI EIN 23-1707341 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $40K |
| RENEE SAGER EIN 16-6044095 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| JOSEPH MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Other services; Direct payment from the plan Service code 49 | — | $29K |
| BOLTON PARTNERS EIN 22-3502478 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $28K |
| JENNIFER MARTELL EIN 16-6044095 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $24K |
| TOBIE WEILAND EIN 16-6044095 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $22K |
| DERMODY, BURKE & BROWN, CPAS, LLC EIN 01-0723685 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| CPS RECRUITMENT, INC EIN 84-3839933 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| INTEGRA CONSULTING, INC. EIN 16-1600723 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| MELANIE COSTELLO EIN 16-6044095 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $7K |
| COMPUDAT SYSTEMS, INC. EIN 14-1834265 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $7K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 199 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 100 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 276 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.