| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 1920 NORTH STREET NW SUITE 400 WASHINGTON, DC 20036 | UNION LABOR LIFE INSURANCE COMPANY | $7K | — | $7K | 2.04% |
| CBA BLUE3 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | UNION LABOR LIFE INSURANCE COMPANY | — | $108K | $108K | 33.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBA BLUE EIN 03-0360451 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | $73K |
| BCBS VT EIN 03-0277307 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $49K |
| SEGAL CONSULTING EIN 13-2646110 NONE | Consulting (general); Actuarial Service code 11 | — | $38K |
| CWF CANDIDATES WITH A FUTURE EIN 46-1725526 NONE | Direct payment from the plan; Other services Service code 49 | 15149 GONZO ROAD WEEKI WACHEE, FL 34614 | $15K |
| KRAKOW, SOURIS AND LANDRY EIN 04-3363718 NONE | Legal Service code 29 | — | $15K |
| NORTH EAST BENEFITS EIN 52-2368185 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $13K |
| CBIZ BENEFITS EIN 31-1582098 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $13K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing) Service code 10 | — | $8K |
| VSP EIN 06-1227840 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $7K |
| 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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 256 | $53K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNION LABOR LIFE INSURANCE COMPANY | 223 | $666K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 223 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.