| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KD BENEFITS3 | 6 PARK LN MARBLEHEAD, MA 01945 | UNION LABOR LIFE INSURANCE COMPANY | $718 | — | $718 | 1.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ BENEFITS EIN 31-1582098 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $34K |
| KRAKOW, SOURIS AND LANDRY EIN 04-3363718 NONE | Legal Service code 29 | — | $17K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| KESTRA FINANCIAL EIN 47-1566880 NONE | Investment advisory (plan) Service code 27 | — | $7K |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VERMONT BLUE ADVANTAGE | 102 | $310K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 228 | $56K |
| Prescription drug | VERMONT BLUE ADVANTAGE | 102 | $310K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 183 | $390K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 199 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.