| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMAPNY INC | 333 WEST 34TH STREET NEW YORK, NY 100012402 | THE UNION LABOR LIFE INSURANCE COMPANY | $77K | — | $77K | 5.00% |
| CONTEMPORARY STRATEGIC SOLUTIONS | 19 WILLOW LANE SPRING LAKE HEIGHT, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $15K | — | $15K | 1.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DR DEPT 1926 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2314460 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.1M |
| BASYS SYSTEMS EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $193K |
| THE SEGAL COMPANY EIN 06-0839113 NONE | Other commissions; Actuarial; Direct payment from the plan Service code 11 | — | $161K |
| JUDY O'MEARA EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $158K |
| LINDA MCCULLOUGH EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $142K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $137K |
| BLUEWATER CONSULTING GROUP NONE | Consulting (general); Direct payment from the plan Service code 16 | 1100 E. HECTOR ST. SUITE 315 CONSHOHOCKEN, PA 19428 | $135K |
| JOHN J RONGIONE EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $132K |
| CYNTHIA LEAHY EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $125K |
| VERONICA MOORE EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| STEVENS & LEE PC EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $115K |
| SONIA RODRIQUEZ EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $114K |
| DONNA HESTON EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| CARMEN MCCARTHY EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| TYEMA JOHNSON EIN 23-2105239 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| AMERIHEALTH PA HMO EIN 23-2314460 NONE | Direct payment from the plan Service code 50 | — | $79K |
| LOCAL 36 BOLR PENSION PLAN EIN 23-6546776 RELATED FUND | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $70K |
| ERICA HARRELL EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| SPEAR WILDERMAN P.C. EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| JOANNA OLEJNICZAK EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| GARSON M. CARUSO, MD, MPH, PA. NONE | Consulting (general); Direct payment from the plan Service code 16 | 647 E SIDDONSBURG RD MECHANICSBURG, PA 17055 | $58K |
| SMITH EDWARDS AND DUNLAP, CO. EIN 23-0539350 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $45K |
| PNC BANK NATIONAL ASSOCIATION EIN 25-1211909 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $43K |
| DENISE KITZINGER EIN 23-2105239 EMPLOYEE | Direct payment from the plan Service code 50 | — | $41K |
| MEKETA INVESTMENTS GROUP EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $33K |
| SARAH MILLINGHAUSEN EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $32K |
| ADDISON GROUP EIN 20-4714798 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $24K |
| CVS CAREMARK EIN 05-0494040 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 300 SOUTH LENOLA RD MAPLE SHADE, NJ 08052 | $20K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $14K |
| GUARDIAN NURSES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1201 BETHLEHEM PIKE FLOURTOWN, PA 19031 | $9K |
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
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 | 2,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,931 | $329K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,944 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,931 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,944 | — |
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.