| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M R INSURANCE AGENCY3 | 3310 PROSPECT AVE CLEVELAND, OH 44115 | THE UNION LABOR LIFE INSURANCE COMPANY | $73 | — | $73 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCAL 400 FOOD TERMINAL WELFARE FND EIN 34-6727973 | Contract Administrator Service code 13 | 707 BROOKPARK RD CLEVELAND, OH 44109 | $26K |
| NEITZEL, LUKE & SALOPEK INC. EIN 34-1316056 N/A | Accounting (including auditing) Service code 10 | 25000 CENTER RIDGE RD 8 WESTLAKE, OH 44145 | $12K |
| WAINBLAT LAW LLC N/A | Legal Service code 29 | PO BOX 161 CHAGRIN FALLS, OH 44022 | $5K |
| ROBERTSON AGENCY N/A | Consulting (general) Service code 16 | 10725 PINE VALLEY CIR PAINESVILLE, OH 44077 | $2K |
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 | 26 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICAL MUTUAL | 52 | $369K |
| Dental(2 contracts) | MEDICAL MUTUAL | 52 | $369K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 24 | $1K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 24 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.