| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE3 | 1250 BETHLEHEM PIKE, SUITE S212 HATFIELD, PA 19440 | THE UNION LABOR LIFE INSURANCE COOMPANY | $16K | $0 | $16K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA UNION BENEFIT | 120 EAGLE ROCK AVENUE EAST HANOVER, NJ 07936 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.01% |
| ACRISURE LLC3 | 23 VREELAND ROAD FLORHAM PARK, NJ 07932 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 503232317 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 10.19% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $0 | $514 | $514 | 3.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PKF O'CONNOR DAVIES EIN 27-1728945 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $49K |
| SUREST NONE | Other fees; Insurance services; Insurance agents and brokers Service code 22 | 9700 HEALTH CARE LN MINNETONKA, MN 55343 | $30K |
| MILLIMAN EIN 11-2214968 ACTUARY | Actuarial Service code 11 | — | $29K |
| ACRISURE NONE | Insurance agents and brokers; Insurance services; Other fees Service code 22 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | $24K |
| SYNTONIC SYSTEM INC EIN 13-2925049 NONE | Other fees; Other services Service code 49 | — | $14K |
| WEISSMAN & MINTZ ATTORNEY | Legal Service code 29 | ONE EXECUTIVE DRIVE SOMERSET, NJ 08873 | $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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 182 | $94K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 106 | $17K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 106 | $17K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COOMPANY | 106 | $388K |
| Other | HARTFORD LIFE AND ACCIDENT | 106 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.