| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BOLTON PARTNERS, INC | 325 SENTRY PARKWAY BLUE BELL, PA 19422 | THE UNION LABOR LIFE INSURANCE COMPANY | $25K | — | $25K | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS NORTHEAST | 36 S CHARLES ST STE 1000 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SPRAGUE CLARK M3 Filed as: SPRAGUE, CLARK M | 2775 WHITE WING LN WEST PALM BEACH, FL 33409 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE STRATEGIES, INC EIN 23-2848954 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 3031B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $3.4M |
| MENTAL HEALTH CONSULTANTS NONE | Direct payment from the plan; Actuarial Service code 11 | 3031A WALTON ROAD 300 PLYMOUTH MEETING, PA 19462 | $211K |
| BOLTON PARTNERS NORTHEAST NONE | Actuarial; Direct payment from the plan Service code 11 | 325 SENTRY PARKWAY BLUE BELL, PA 19422 | $203K |
| HMC HEALTHWORKS NONE | Claims processing; Direct payment from the plan Service code 12 | 181 COMMODORE DRIVE JUPITER, FL 33477 | $152K |
| OPTUM RX EIN 11-2581812 NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 888765 LOS ANGELES, CA 90088 | $128K |
| UFCW LOCAL 1776 EIN 23-0725077 PARTICIPATING EMPLOYER | Other fees; Direct payment from the plan Service code 50 | 3031A WALTON ROAD 201 PLYMOUTH MEETING, PA 19462 | $126K |
| WILLIG, WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal; Direct payment from the plan Service code 29 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $95K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | 1818 MARKET STREET PHILADELPHIA, PA 19103 | $45K |
| ROBERT SLAWEK, DMD NONE | Direct payment from the plan; Other fees Service code 50 | 413 LYCEUM AVE PHILADELPHIA, PA 19128 | $31K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE CT READING, PA 19606 | $27K |
| INSPIRE INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 1414 S PENN SQUARE 18H PHILADELPHIA, PA 19102 | $15K |
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 | 5,978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,264 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 3,711 | $30.0M |
| Vision | KEYSTONE HEALTH PLAN EAST | 3,711 | $23K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,673 | $127K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,941 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 2,673 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,711 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.