| 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 | $118K | — | $118K | 5.46% |
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING LAKE HEIGHT, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $43K | — | $43K | 2.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.O. BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $669 | $669 | 0.18% |
| AON CONSULTING INC3 Filed as: AON INC CONSULTING | 1900 16TH ST STE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $23 | $23 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2405376 NONE | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $3.4M |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $267K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Other commissions; Direct payment from the plan Service code 11 | — | $218K |
| SARAH MILLINGHAUSEN EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $153K |
| JOHN J RONGIONE EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $143K |
| JUDY O'MEARA EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $123K |
| MENTAL HEALTH CONSULTANTS, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 3031-A WALTON ROAD, SUITE 300 PLYMOUTH MEETING, PA 19462 | $121K |
| CYNTHIA LEAHY EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $116K |
| LINDA MCCULLOUGH EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| MARIA GRILLO EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| SMITH EDWARDS AND DUNLAP, CO. EIN 23-0539350 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $97K |
| VERONICA MOORE EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $95K |
| TYEMA SANCHEZ EIN 23-2105239 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| SONIA RODRIGUEZ EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| DONNA HESTON EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| JHARNA AGARWAL EIN 23-2105239 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $82K |
| ERICA HARRELL EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| DANIEL BROWN EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| STEVENS & LEE PC EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| SPEAR WILDERMAN P.C. EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $63K |
| JOANNA OLEJNICZAK EIN 23-2105239 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| 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 | — | $56K |
| 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 |
| GARSON M. CARUSO, MD, MPH, PA. NONE | Consulting (general); Direct payment from the plan Service code 16 | 647 E SIDDONSBURG RD MECHANICSBURG, PA 17055 | $41K |
| BLUEWATER CONSULTING GROUP INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1100 E. HECTOR ST. SUITE 315 CONSHOHOCKEN, PA 19428 | $38K |
| MEKETA INVESTMENTS GROUP EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $35K |
| CVS CAREMARK EIN 05-0494040 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $28K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $19K |
| STUDIO LUSTRO INC. NONE | Direct payment from the plan; Consulting (general) Service code 16 | 35-37 36TH ST. 2ND FLOOR LONG ISLAND CITY, NY 11106 | $13K |
| PROFORMA INDUSTRIES NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 8800 E. PLEASANT VALLEY ROAD CLEVELAND, OH 44131 | $10K |
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 | 2,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,125 | $363K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,040 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,125 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,125 | — |
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.