| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| P.K. FINANCIAL GROUP, LLC Filed as: P.K. FINANCIAL GROUP LLC, | 700 E TOWNSHIP LINE ROAD, STE 200 HAVERTOWN, PA 19083 | THE UNION LABOR LIFE INSURANCE COMPANY | $51K | — | $51K | 7.00% |
| LABOR FIRST LLC | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE CO. | $20K | $0 | $20K | 2.76% |
| RICHARD GABRIEL ASSOCIATES3 | 601 DRESHER ROAD, SUITE 201 HORSHAM, PA 190442304 | THE UNION LABOR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.00% |
| ROC CONSULTING GROUP3 | 2297 DORCHESTER ST. WEST FURLONG, PA 18925 | THE UNION LABOR LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST NONE | Claims processing Service code 12 | 1901 MARKET STREET PHILADELPHIA, PA 19103 | $1.8M |
| PERRY N. BLACKMAN, CPA EIN 23-2244789 NONE | Accounting (including auditing) Service code 10 | — | $171K |
| CHARTWELL INVESTMENTS EIN 23-2891243 NONE | Investment management Service code 28 | — | $144K |
| BOYD WATTERSON ASSET MANAGEMENT LLC NONE | Investment management Service code 28 | 1801 EAST 9TH ST. CLEVELAND, OH 441143107 | $100K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $90K |
| FIDELIO INSURANCE EIN 23-2346056 NONE | Claims processing Service code 12 | — | $72K |
| SMITH GRAHAM & CO EIN 76-0301817 NONE | Investment management Service code 28 | — | $72K |
| ALICARE NONE | Contract Administrator Service code 13 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | $71K |
| ALLIED TRADES NONE | Contract Administrator Service code 13 | 7234 PARKWAY DRIVE HANOVER, MD 21076 | $64K |
| MITCHELL & TITUS LLP EIN 13-2781641 NONE | Accounting (including auditing) Service code 10 | — | $61K |
| CLEARY JOSEM & TRIGIANI NONE | Legal Service code 29 | 325 CHESTNUT STREET PHILADELPHIA, PA 19106 | $61K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2564550 NONE | Legal Service code 29 | — | $59K |
| HOLLAND CAPITAL MANAGEMENT NONE | Investment management Service code 28 | 303 WEST MADISON ST., SUITE 700 CHICAGO, IL 60606 | $52K |
| ALAN PARHAM EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $38K |
| RICHARD GABRIEL EIN 23-2817579 NONE | Actuarial Service code 11 | — | $30K |
| HGK ASSET MANAGEMENT, INC. NONE | Investment management Service code 28 | 525 WASHINGTON BLVD JERSEY CITY, NJ 07310 | $29K |
| WELLS FARGO BANK NA NONE | Custodial (other than securities) Service code 18 | 420 MONTGOMERY ST SAN FRANCISCO, CA 94104 | $26K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 NONE | Investment management Service code 28 | — | $26K |
| GEORGINA RAGSDALE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $26K |
| SMITH EDWARDS DUNLAP NONE | Other fees Service code 99 | 2897 ALLEGHENY AVENUE PHILADELPHIA, PA 19134 | $26K |
| AMERIHEALTH NONE | Claims processing Service code 12 | 1900 MARKET ST. PHILADELPHIA, PA 19103 | $25K |
| KEVIN GALE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $24K |
| GRANITE RUN TECHNOLOGY SOLUTIONS LL NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 602 WASHINGTON AVENUE MEDIA, PA 19063 | $20K |
| WEDGE CAPITAL MANAGEMENT EIN 23-2981986 NONE | Investment management Service code 28 | — | $20K |
| WARREN PRICE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $20K |
| LISSETTE NUNEZ EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $20K |
| 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 | $17K |
| HAMBURG & GOLDSTEIN EIN 23-2867909 NONE | Legal Service code 29 | 1601 MARKET STREET PHILADELPHIA PA, PA 19103 | $17K |
| INDEPENDENCE BLUE CROSS EIN 23-2184823 NONE | Claims processing Service code 12 | — | $15K |
| JM CREATIVE ENTERPRISES, LLC NONE | Other fees Service code 99 | 350 NORTH ORATON PARKWAY, SUITE A EAST ORANGE, NJ 07017 | $15K |
| LATANGE BATES EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $15K |
| ANTIONETTE HYNSON EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $14K |
| FRANCIS BOWIE EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $13K |
| CHARLENE WALKER EMPLOYEE | Employee (plan) Service code 30 | 665N. BROAD ST, 2ND FL PHILADELPHIA, PA 191232418 | $11K |
| MARTINA MADISON EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $11K |
| ANITA HORN EMPLOYEE | Employee (plan) Service code 30 | 665 N. BROAD ST. , 2ND FL. PHILADELPHIA, PA 191232418 | $10K |
| IRON MOUNTAIN RECORDS NONE | Other services Service code 49 | 1000 CAMPUS DRIVE COLLEGEVILLE, PA 19426 | $9K |
| PAYCHEX, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1250 BROADWAY 2900 NEW YORK, NY 10001 | $7K |
| CUBESMART NONE | Other fees Service code 99 | 456 N CHRISTOPHER COLUMBUS BLVD PHILADELPHIA, PA 191232418 | $7K |
| GITOMER & BERENHOLZ PC NONE | Accounting (including auditing) Service code 10 | 445 SHADY LANE HUNTINGDON VALLEY, PA 19006 | $6K |
| MARK J. HILL & ASSOCIATES PC NONE | Legal Service code 29 | 1528 WALNUT ST., SUITE 2015 PHILADELPHIA, PA 19102 | $6K |
| KEYSTONE DIGITAL IMAGING EIN 23-3035040 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $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 | 2,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,311 | $218K |
| Short-term disability(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 2,432 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,432 | — |
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.
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.