| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA UNION BENEFIT PLA | 181 NEW ROAD, SUITE 304 PARSIPPANY, NJ 07054 | LIBERTY INSURANCE UNDERWRITERS INC. | $130K | — | $130K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA UNION BENEFIT PLA | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $604 | $13K | 20.57% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS & BLUE SHIELD EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $820K |
| GLOBAL PHARMACEUTICAL BENEFITS, LLC EIN 27-3340151 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $269K |
| FABIAN & BYRN LLC EIN 25-1914887 NONE | Claims processing; Legal; Direct payment from the plan Service code 12 | — | $175K |
| ELAINE ALESSIO EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $137K |
| CARMELLA RICCI EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| MARY JO ESPOSITO EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| CHRISTINE KNISPEL EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| D.D. SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Legal; Direct payment from the plan Service code 12 | — | $58K |
| JENNIFER TURCIOS EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| JBM COMPUTER CONSULTANTS, INC. EIN 16-1173118 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $40K |
| METS SCHIRO & MCGOVERN, LLP EIN 75-3116930 NONE | Legal; Direct payment from the plan Service code 29 | — | $37K |
| TEAMSTERS CENTER SERVICES FUND EIN 13-1964856 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $29K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $26K |
| MAGNACARE EIN 11-3410766 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $20K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $15K |
| MARLIN LEASING CORPORATION EIN 22-3520555 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
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 | 1,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,210 | $64K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS INC. | 1,224 | $864K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,210 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,224 | — |
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.