| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUGUSTINE A OLALERE3 Filed as: AUGUSTINE O'LALERE | 845 LOWCOUNTRY BLVD STE S MT PLEASANT, SC 29464 | THE UNION LABOR LIFE INSURANCE COMPANY | $5K | — | $5K | 8.80% |
| CREATIVE WORKSITE SOLUTIONS LLC Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBACK S STE 207 MT PLEASANT, SC 29464 | THE UNION LABOR LIFE INSURANCE COMPANY | $744 | — | $744 | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARTY COHN & FEUER LC EIN 65-0718930 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | — | $68K |
| JOSEPHINE BURROWS EIN 23-7038555 ASSISTANT FUND MANAGER | Employee (plan) Service code 30 | — | $31K |
| SUGARMAN & SUSSKIND PA EIN 59-2539792 SERVICE PROVIDER | Legal Service code 29 | — | $30K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 SERVICE PROVIDER | Securities brokerage; Securities brokerage commissions and fees; Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses Service code 27 | — | $29K |
| NANCY SANCHEZ SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 704 SUMMIT COURT 305-810-9279 MOUNT DORA, FL 32757 | $25K |
| CONDUENT HR CONSULTING LLC EIN 13-3954297 SERVICE PROVIDER | Actuarial Service code 11 | — | $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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN | 78 | $400K |
| Dental | HUMANA HEALTH PLAN | 78 | $400K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 498 | $62K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 498 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.