| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL GROUP INTERMEDIARIES3 Filed as: COMMERCIAL GROUP INTERMEDIARIES,INC | 19 ILLINOIS AVENUE SCHAUMBURG, IL 60193 | UNION LABOR LIFE INSURANCE COMPANY | $25K | $0 | $25K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing; Float revenue; Other services Service code 12 | — | $427K |
| CENTRAL DATA SERVICES EIN 25-1352803 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $364K |
| PNC BANK EIN 25-1197336 NONE | Float revenue; Soft dollars commissions; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $114K |
| UPMC HEALTH PLAN EIN 25-1769564 NONE | Claims processing Service code 12 | — | $52K |
| TUCKER ARENSBERG EIN 25-1425735 NONE | Legal Service code 29 | — | $41K |
| BUCK CONSULTANTS, LLC EIN 13-3954297 NONE | Actuarial; Consulting (general) Service code 11 | — | $38K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $37K |
| MEYER, UNKOVIC, & SCOTT EIN 25-1344985 NONE | Legal Service code 29 | — | $33K |
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 | 1,267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 146 | $59K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 936 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.