| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL GROUP INTERMEDIARIES3 Filed as: COMMERCIAL GROUP INTERMEDIARIES,INC | 2356 HASSELL ROAD, SUITE F HOFFMAN ESTATES, IL 60169 | UNION LABOR LIFE INSURANCE COMPANY | $19K | $0 | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Other services; Claims processing; Float revenue Service code 12 | — | $436K |
| CENTRAL DATA SERVICES EIN 25-1352803 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $364K |
| PNC BANK EIN 25-1197336 NONE | Investment management fees paid directly by plan; Float revenue; Custodial (securities); Soft dollars commissions Service code 19 | — | $124K |
| TUCKER ARENSBERG EIN 25-1425735 NONE | Legal Service code 29 | — | $63K |
| UPMC HEALTH PLAN EIN 25-1769564 NONE | Claims processing Service code 12 | — | $53K |
| BUCK CONSULTANTS, LLC EIN 13-3954297 NONE | Consulting (general); Actuarial Service code 11 | — | $38K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| MEYER, UNKOVIC, & SCOTT EIN 25-1344985 NONE | Legal Service code 29 | — | $21K |
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 | 1,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 178 | $72K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 1,197 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,197 | — |
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.