| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W BOSTON3 Filed as: THOMAS DOLSAK | — | THE UNION LABOR LIFE INSURANCE CO. | $15K | — | $15K | 2.18% |
| GY6 LLC3 | — | THE UNION LABOR LIFE INSURANCE CO. | $5K | — | $5K | 0.72% |
| CONSOLIDATED BENEFITS INC3 | — | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $57K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Direct payment from the plan; Participant communication; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services Service code 12 | — | $32K |
| STUYVESANT CAPITAL MANAGEMENT EIN 13-2953844 NONE | Direct payment from the plan; Investment management Service code 28 | — | $19K |
| CHARLES JOHNSTON, PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| BENECARD EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| ALAN ROSS & COMPANY EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| KANG HAGGERTY & FETBROYT LLC NONE | Legal; Direct payment from the plan Service code 29 | 123 S. BROAD ST, SUITE 1670 PHILADELPHIA, PA 19109 | $8K |
| WILMINGTON TRUST EIN 16-0538020 NONE | Float revenue; Direct payment from the plan; Custodial (securities); Soft dollars commissions Service code 19 | — | $4K |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK BLUE SHIELD | 213 | $28K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 199 | $51K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 208 | $687K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 199 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.