No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUCK CONSULTANTS EIN 13-3954297 | Actuarial Service code 11 | — | $58K |
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $35K |
| KRISTIN HENDROCK EIN 34-0754952 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| PLUMBERS UNION LOCAL NO. 55 EIN 34-0320390 MEMBER UNION | Other fees Service code 99 | — | $18K |
| FAULKNER, HOFFMAN & PHILLIPS, LLC EIN 34-1909706 | Legal Service code 29 | — | $13K |
| WILLIAM ARMSTRONG EIN 34-0754952 | Contract Administrator Service code 13 | — | $7K |
| THE BOGDAHN GROUP EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $6K |
| CONCERO, INC. EIN 93-1274097 | Other fees Service code 99 | — | $5K |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 327 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 434 | $5.3M |
| Vision | UNION EYE CARE | 487 | $46K |
| Prescription drug | MEDICAL MUTUAL | 434 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.