| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| P.K. FINANCIAL GROUP, LLC3 | 700 E TOWNSHIP LINE ROAD STE 200 HAVERTOWN, PA 19083 | THE UNION LABOR LIFE INSURANCE COMPANY | $46K | — | $46K | 7.00% |
| RICHARD GABRIEL ASSOCIATES3 | 601 DRESHER ROAD SUITE 201 HORSHAM, PA 19044 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2405376 NONE | Direct payment from the plan; Claims processing Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 191031480 | $2.1M |
| PERRY BLACKMAN, CPA EIN 23-2244789 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 506 CORPORATE DRIVE WEST LANGHORNE, PA 19047 | $125K |
| BOYD WATTERSON ASSET MANAGEMENT,LLC EIN 34-1922005 NONE | Investment management Service code 28 | 1801 EAST 9TH STREET SUITE 1400 CLEVELAND, OH 44114 | $104K |
| THE GLENMEDE TRUST COMPANY EIN 23-6232515 NONE | Direct payment from the plan; Investment management Service code 28 | 1650 MARKET STREET SUITE 1200 PHILADELPHIA, PA 191037391 | $96K |
| HGK ASSET MANAGEMENT, INC. EIN 52-1296988 NONE | Direct payment from the plan; Investment management Service code 28 | 525 WASHINGTON BLVD SUITE 2000 JERSEY CITY, NJ 07310 | $92K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Direct payment from the plan; Investment management Service code 28 | 1235 WESTLAKES DRIVE SUITE 400 BERWYN, PA 193122416 | $79K |
| FIDELIO INSURANCE COMPANY EIN 23-2346056 NONE | Claims processing; Direct payment from the plan Service code 12 | 2826 MOUNT CARMEL AVENUE GLENSIDE, PA 19038 | $77K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | 829 ACADEMY PLACE PITTSBURGH, PA 15243 | $69K |
| ALICARE EIN 13-3432221 NONE | Claims processing; Direct payment from the plan Service code 12 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | $64K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Direct payment from the plan; Other services Service code 49 | 2791 SOUTHAMPTON ROAD SUITE 100 PHILADELPHIA, PA 19154 | $63K |
| GITOMER & BERENHOLZ, PC EIN 23-2749598 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 445 SHADY LANE HUNTINGDON VALLEY, PA 19006 | $60K |
| ISSI EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $52K |
| ECKERT SEAMANS CHERIN & MELLOT EIN 25-1056909 NONE | Legal; Direct payment from the plan Service code 29 | 600 GRANT STREET 44TH FLOOR PITTSBURGH, PA 15219 | $47K |
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 191031480 | $44K |
| SUSANIN, WIDMAN & BRENNAN,PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | 1285 DRUMMERS LANE STE 202 WAYNE, PA 19087 | $39K |
| RICHARD GABRIEL ASSOCIATES EIN 23-2817579 NONE | Direct payment from the plan; Actuarial Service code 11 | 601 DRESHER ROAD SUITE 201 HORSHAM, PA 190442202 | $35K |
| SMITH EDWARDS DUNLAP EIN 23-0539350 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 2867 EAST ALLEGHENY AVENUE PHILADELPHIA, PA 19134 | $32K |
| GEORGINA RAGSDALE EIN 23-1527636 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 37003 PHILADELPHIA, PA 19122 | $27K |
| ALAN PARHAM EIN 23-1527636 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | PO BOX 37003 PHILADELPHIA, PA 19122 | $25K |
| INVESTMENT PERFORMANCE SERVICE EIN 58-1645832 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 7402 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | $25K |
| AMERIHEALTH EIN 22-3338404 NONE | Direct payment from the plan; Claims processing Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 191031480 | $18K |
| PNC BANK EIN 22-1146430 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | PO BOX 609 PITTSBURGH, PA 15230 | $16K |
| DUANE MORRIS, LLP EIN 23-1392502 NONE | Legal; Direct payment from the plan Service code 29 | 1940 ROUTE 70 EAST SUITE 200 CHERRY HILL, NJ 08003 | $16K |
| GRANITE RUN EIN 26-4248487 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 602 WASHINGTON AVENUE MEDIA, PA 19063 | $11K |
| CLEARY, JOSEM & TRIGIANI, LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | 325 CHESTNUT ST STE 200 PHILADELPHIA, PA 19106 | $10K |
| NATIONAL VISION ADMINSTRATORS EIN 22-2230703 NONE | Direct payment from the plan; Claims processing Service code 12 | 1200 ROUTE 46 WEST CLIFTON, NJ 07015 | $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 | 2,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,205 | $599K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 2,205 | $599K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,112 | $664K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,205 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,205 | — |
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.