| 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 | $110K | — | $110K | 5.50% |
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING LAKE HEIGHT, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $40K | — | $40K | 2.00% |
| 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 23-2405376 NONE | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $2.5M |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $219K |
| THE SEGAL COMPANY EIN 06-0839113 NONE | Other commissions; Direct payment from the plan; Actuarial Service code 11 | — | $205K |
| STEVENS & LEE PC EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $155K |
| BLUEWATER CONSULTING GROUP INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1100 E. HECTOR ST. SUITE 315 CONSHOHOCKEN, PA 19428 | $145K |
| JOHN J RONGIONE EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $137K |
| SARAH MILLINGHAUSEN EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $129K |
| MENTAL HEALTH CONSULTANTS, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | 3031-A WALTON ROAD, SUITE 300 PLYMOUTH MEETING, PA 19462 | $119K |
| MARIA GRILLO EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| JUDY O'MEARA EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $114K |
| LINDA MCCULLOUGH EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $112K |
| TYEMA JOHNSON EIN 23-2105239 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| VERONICA MOORE EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| DONNA HESTON EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| SONIA RODRIQUEZ EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| ERICA HARRELL EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| AMERIHEALTH PA HMO EIN 23-2314460 NONE | Direct payment from the plan Service code 50 | — | $75K |
| LOCAL 36 BOLR PENSION PLAN EIN 23-6546776 RELATED FUND | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $74K |
| DANIEL BROWN EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| JOANNA OLEJNICZAK EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| CYNTHIA LEAHY EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| JHARNA AGARWAL EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| 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 | — | $65K |
| SPEAR WILDERMAN P.C. EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| SMITH EDWARDS AND DUNLAP, CO. EIN 23-0539350 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $51K |
| GARSON M. CARUSO, MD, MPH, PA. NONE | Consulting (general); Direct payment from the plan Service code 16 | 647 E SIDDONSBURG RD MECHANICSBURG, PA 17055 | $50K |
| DELTA DENTAL EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $44K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| MEKETA INVESTMENTS GROUP EIN 04-2659023 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $33K |
| CHRISTOPHER HAMMITT EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| STUDIO LUSTRO INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 35-37 36TH ST. 2ND FLOOR LONG ISLAND CITY, NY 11106 | $28K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| CVS CAREMARK EIN 05-0494040 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| PROFORMA INDUSTRIES NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 8800 E. PLEASANT VALLEY ROAD CLEVELAND, OH 44131 | $12K |
| CONANT CO. NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 42 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | $8K |
| TELIGENT SOLUTIONS INC. EIN 20-8902856 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $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 | 2,841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 0 | $332K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,982 | $2.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,982 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.