No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS VT EIN 03-0277307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $96K |
| CBIZ BENEFITS EIN 31-1582098 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $32K |
| 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 |
| NORTH EAST BENEFITS EIN 52-2368185 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| CBA BLUE EIN 03-0360451 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | $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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 265 | $56K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 207 | $372K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 265 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.