Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthPPORx | HealthPPORx | |
Vision | Vision | |
Broker: Wade Financial Inc. LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 631 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 631 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 1,523 | $10.6M |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 841 | $88K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,515 | $43K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PRESCRIPTION DRUG | 1,523 | $1.4M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,515 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,523 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The Union Labor Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS EIN 38-2383171 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $200K |
| MSPC CERTIFIED PUBLIC ACCOUNTANTS EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $54K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $42K |
| CLEARY, JOSEM & TRIGIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | 325 CHESTNUT STREET, SUITE 200 PHILADELPHIA, PA 19106 | $28K |
| PFM ADVISORS EIN 23-3087064 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $16K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | 1001 OLD CASSATT ROAD, SUITE 306 BERWYN, PA 19312 | $8K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 450 FASHION AVENUE, 3500 NEW YORK, NY 10123 | $5K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
11 filings · 2015 to 2025