| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 325 SENTRY PARKWAY BLDG. 5 W. #200 BLUE BELL, PA 19422 | GRANULAR INSURANCE | — | $7K | $7K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $423K |
| BENEFIT PROCESSING INC EIN 23-2204388 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $326K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $105K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $83K |
| BOLTON PARTNERS INC EIN 52-1231144 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $62K |
| KATHLEEN LYNCH EIN 23-1489866 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| PHILADELPHIA JOINT BOARD WORKERS UN EIN 23-0971735 RELATED LABOR ORG | Other services; Direct payment from the plan Service code 49 | — | $56K |
| HELEN KRZYWICKI EIN 23-1489866 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| MERANZE, KATZ, GAUDIOSO & NEWLIN, P EIN 23-2419899 NONE | Legal; Direct payment from the plan Service code 29 | — | $22K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $19K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management; Direct payment from the plan; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $11K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $5K |
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 | 1,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 677 | $127K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,014 | $38K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE | 685 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.