| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATION SERVICES, INC3 | 7771 WEST OAKLAND PARK BLVD SUITE 217 SUNRISE, FL 33351 | ADVANTICA | $53K | — | $53K | 9.80% |
| BENEFIT COMMUNICATION SERVICES, INC3 | 7771 OAKLAND PARK BLVD SUITE 217 SUNRISE, FL 33351 | DOMINION NATIONAL | $46K | — | $46K | 15.00% |
| KENNETH B. JOHNSON0 | 9282 EAST DESERT VIEW SCOTTSDALE, AZ 85255 | DOMINION NATIONAL | $11K | — | $11K | 3.51% |
| UFCW LOCAL 152 H&W FUND3 | 2638 WELLWORTH WAY WEST FRIENDSHIP, MD 21794 | UNITED AMERICAN INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| UFCW LOCAL 152 H&W FUND3 | 2638 WELLWORTH WAY WEST FRIENDSHIP, MD 21794 | UNITED AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| BENEFIT COMMUNICATION SERVICES, INC5 Filed as: BENEFIT COMMUNICATION SERVICES | 7771 WEST OAKLAND PARK BOULEVARD SUITE 217 SUNRISE, FL 33351 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-0999690 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.9M |
| TRI STATE ADMINISTRATORS EIN 22-3478819 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.2M |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Claims processing Service code 12 | — | $565K |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $108K |
| WITHUM, SMITH & BROWN, P.C. EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 NONE | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services Service code 12 | — | $38K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| CHEIRON EIN 13-4215617 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $21K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Other fees; Direct payment from the plan Service code 50 | — | $10K |
| DR. ROBERT B. DANIELS EIN 23-2534279 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $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 | 11,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 203 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED AMERICAN INSURANCE COMPANY | 65 | $367K |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 10,216 | $3.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,505 | $54K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 9,798 | $509K |
| Other(3 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 9,790 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,216 | — |
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."
No prospect flags tripped on this filing.