| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD GABRIEL ASSOCIATES3 | 601 DRESHER ROAD, STE. 201 HORSHAM, PA 190442304 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST NONE | Claims processing Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 19103 | $1.1M |
| PERRY N. BLACKMAN, CPA EIN 23-2244789 NONE | Accounting (including auditing) Service code 10 | — | $178K |
| CHARTWELL INVESTMENTS EIN 23-2891243 NONE | Investment management Service code 28 | — | $146K |
| BOYD WATTERSON ASSET MANAGEMENT LLC NONE | Investment management Service code 28 | 1801 EAST 9TH ST. CLEVELAND, OH 441143107 | $106K |
| ALICARE NONE | Contract Administrator Service code 13 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | $92K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $88K |
| MITCHELL & TITUS LLP EIN 13-2781641 NONE | Accounting (including auditing) Service code 10 | — | $83K |
| FIDELIO INSURANCE EIN 23-2346056 NONE | Claims processing Service code 12 | — | $77K |
| CLEARY JOSEM & TRIGIANI NONE | Legal Service code 29 | 325 CHESTNUT STREET PHILADELPHIA, PA 19106 | $68K |
| ALLIED TRADES NONE | Contract Administrator Service code 13 | 7234 PARKWAY DRIVE HANOVER, MD 21076 | $65K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2564550 NONE | Legal Service code 29 | — | $55K |
| INNOVATIVE SOFTWARE SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2 EXECUTIVE CAMPUS, STE. 400 CHERRY HILL, NJ 08002 | $51K |
| HOLLAND CAPITAL MANAGEMENT NONE | Investment management Service code 28 | 303 WEST MADISON ST., SUITE 700 CHICAGO, IL 60606 | $42K |
| HGK ASSET MANAGEMENT, INC. NONE | Investment management Service code 28 | 525 WASHINGTON BLVD JERSEY CITY, NJ 07310 | $41K |
| ALAN PARHAM EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $38K |
| SMITH EDWARDS DUNLAP NONE | Other fees Service code 99 | 2897 ALLEGHENY AVENUE PHILADELPHIA, PA 19134 | $32K |
| RICHARD GABRIEL EIN 23-2817579 NONE | Actuarial Service code 11 | — | $31K |
| SMITH GRAHAM & CO EIN 76-0301817 NONE | Investment management Service code 28 | — | $27K |
| GEORGINA RAGSDALE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $25K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 NONE | Investment management Service code 28 | — | $25K |
| WELLS FARGO BANK NA NONE | Custodial (other than securities) Service code 18 | 420 MONTGOMERY ST SAN FRANCISCO, CA 94104 | $24K |
| KEVIN GALE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $24K |
| MARK J. HILL & ASSOCIATES PC NONE | Legal Service code 29 | 1528 WALNUT ST., SUITE 2015 PHILADELPHIA, PA 19102 | $20K |
| WARREN PRICE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $19K |
| LISSETTE NUNEZ EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $19K |
| AMERIHEALTH NONE | Claims processing Service code 12 | 1900 MARKET ST. PHILADELPHIA, PA 19103 | $17K |
| LATANGE BATES EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $14K |
| ANTIONETTE HYNSON EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $14K |
| SALLY B. HAYNES EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $13K |
| FRANCIS BOWIE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $13K |
| JM CREATIVE ENTERPRISES, LLC NONE | Other fees Service code 99 | 350 NORTH ORATON PARKWAY, SUITE A EAST ORANGE, NJ 07017 | $12K |
| GRANITE RUN TECHNOLOGY SOLUTIONS LL NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 602 WASHINGTON AVENUE MEDIA, PA 19063 | $11K |
| IRON MOUNTAIN RECORDS NONE | Other services Service code 49 | 1000 CAMPUS DRIVE COLLEGEVILLE, PA 19426 | $11K |
| ANITA HORN EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $10K |
| PAYCHEX, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1250 BROADWAY 2900 NEW YORK, NY 10001 | $8K |
| PAPER THIN INC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 300 CROWN COLONY DRIVE, SUITE 503 QUINCY, MA 02169 | $7K |
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 | 2,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 2,277 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,277 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.