| 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 | $82K | — | $82K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2405376 NONE | Claims processing; Direct payment from the plan Service code 12 | 1901 MARKET STREET 34TH FLOOR PHILADELPHIA, PA 191031480 | $1.5M |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 1301 EAST NINTH ST STE 2900 CLEVELAND, OH 441143179 | $321K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | 1205 WESTLAKES DRIVE STE 100 BERWYN, PA 193122416 | $158K |
| PERRY BLACKMAN, CPA EIN 23-2244789 | Accounting (including auditing); Direct payment from the plan Service code 10 | 506 CORPORATE DRIVE WEST LANGHORNE, PA 19047 | $145K |
| FRED ALGER MANAGEMENT INC EIN 13-2665689 | Investment management fees paid directly by plan; Soft dollars commissions; Direct payment from the plan Service code 50 | 100 PEARL ST 27TH FL NEW YORK, NY 10004 | $120K |
| FIDELIO INSURANCE COMPANY EIN 23-2346056 | Direct payment from the plan; Claims processing Service code 12 | 2826 MOUNT CARMEL AVENUE GLENSIDE, PA 19038 | $86K |
| WEDGE CAPITAL MANAGEMENT LLP EIN 56-1557450 | Non-monetary compensation; Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | 31 SOUTH COLLEGE STREET STE 3800 CHARLOTTE, NC 28202 | $81K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3700 KOPPERS STE 400 BALTIMORE, MD 21227 | $76K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 | Direct payment from the plan; Other services Service code 49 | 4170 WOODHAVEN ROAD PHILADELPHIA, PA 19154 | $72K |
| LOOP CAPITAL ASSET MANAGEMENT | Investment management Service code 28 | 1515 MARKET ST PHILADELPHIA, PA 19102 | $68K |
| AMALGAMATED EMPLOYEE BENEFITS ADMIN EIN 13-3432221 | Claims processing; Direct payment from the plan Service code 12 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | $68K |
| RAE GROUP LLC EIN 83-4646394 | Actuarial; Direct payment from the plan Service code 11 | 601 DRESHER ROAD STE 201 HORSHAM, PA 190442202 | $54K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-1645832 | Investment advisory (plan); Direct payment from the plan Service code 27 | 570 E YORK ST SAVANNAH, GA 31401 | $40K |
| SEGAL CONSULTING EIN 13-1835864 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 333 WEST 34TH ST NEW YORK, NY 100012402 | $36K |
| INDEPENDENCE BLUE CROSS EIN 23-2184623 | Claims processing; Direct payment from the plan Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 191031480 | $35K |
| ALAN PARHAM EIN 23-1527636 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 37003 PHILADELPHIA, PA 19122 | $34K |
| EXPRESS SCRIPTS EIN 43-1420563 | Direct payment from the plan; Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, PA 63121 | $33K |
| CLEARY, JOSEM & TRIGIANI LLP NONE | Legal Service code 29 | 325 CHESTNUT ST 200 PHILADELPHIA, PA 19106 | $31K |
| SIBLEY ROBINSON EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 65 N BROAD ST 2ND FL PHILADELPHIA, PA 19123 | $28K |
| AMERIHEALTH HMO, INC EIN 22-2314460 | Claims processing; Direct payment from the plan Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 191031480 | $27K |
| GRANITE RUN TECH SOLUTIONS LLC EIN 26-4248487 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 602 WASHINGTON AVE MEDIA, PA 19063 | $18K |
| BUCHANAN INGERSOLL & ROONEY EIN 25-1381032 | Legal; Direct payment from the plan Service code 29 | UNION TRUST BLDG, 501 GRANT ST PITTSBURGH, PA 15219 | $16K |
| THOMAS MCGOLDRICK | Legal Service code 29 | 35 SHEPFIELD CT COLLEGEVILLE, PA 19426 | $15K |
| PNC BANK | Custodial (securities); Direct payment from the plan Service code 19 | PO BOX 609 PITTSBURGH, PA 15230 | $15K |
| ROBERT HALF INTERNATIONAL | Other services Service code 49 | PO BOX 743295 LOS ANGELES, CA 90074 | $12K |
| SWARTZ CAMPBELL LLC EIN 23-1141190 | Direct payment from the plan; Legal Service code 29 | 1650 MARKET ST , FLOOR 38 PHILADELPHIA, PA 19103 | $10K |
| PAYCHEX INC EIN 16-1124166 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 911 PANORAMA TRAIL SOUTH ROCHESTER, NY 14625 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 0 | $0 |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN | 0 | $0 |
| Life insurance(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.