| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBA BLUE3 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | ACCURISK | — | $80K | $80K | 26.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBA BLUE EIN 03-0360451 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | $92K |
| SEGAL CONSULTING EIN 13-2646110 NONE | Actuarial; Consulting (general) Service code 11 | — | $38K |
| KRAKOW, SOURIS AND LANDRY EIN 04-3363718 NONE | Legal Service code 29 | — | $14K |
| MCSOLEY MCCOY AND CO EIN 03-0327374 NONE | Accounting (including auditing) Service code 10 | — | $8K |
| 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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 277 | $41K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 253 | $57K |
| Stop-loss / reinsurancereinsurance | ACCURISK | 216 | $303K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 220 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.