| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R C LAIN INC.3 | PO BOX 1117 PORT JERVIS, NY 12771 | BCS INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR CTR II, STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE & ACCIDENT | $4K | — | $4K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE & ACCIDENT | — | $1K | $1K | 4.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $87K |
| GIANCARLO PREZIOSO EIN 22-1594458 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| COHEN LEDER MONTALBANO &CONNAUGHTON EIN 41-2044610 ATTORNEY FOR LOCAL 701 | Legal; Direct payment from the plan Service code 29 | — | $74K |
| KATHRYN M MANZI EIN 22-1594458 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $53K |
| ACCRISURE DBA UNION BENEFIT PLANNER EIN 26-3554645 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $39K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $22K |
| LIFETIME BENEFIT SOLUTIONS, INC. EIN 16-1171765 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $22K |
| MSPC EIN 22-2951202 ACCOUNTANT FOR LOCAL 701 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
| KEVIN J. DEMBINSKI, DMD EIN 22-2198817 NONE | Direct payment from the plan; Other services Service code 49 | — | $12K |
| ERNEST SOEHL EIN 22-1594458 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $8K |
| LAMAR BEINHOWER EIN 22-1594458 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $8K |
| DR. WENQING ZHANG EIN 99-3276661 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| NEPC, LLC NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE & ACCIDENT | 127 | $22K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 195 | $421K |
| Other | HARTFORD LIFE & ACCIDENT | 127 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.