| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $585 | $585 | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $177 | $177 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST EIN 06-1750191 | Direct payment from the plan; Insurance services; Contract Administrator Service code 13 | 1000 MIDATLANTIC DRIVE SUITE 100 MT LAUREL, NJ 08054 | $745K |
| MERITAIN HEALTH INC EIN 16-1264154 | Insurance services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | 300 SOUTH AMHERST PARKWAY AMHERST, NY 14226 | $251K |
| RHONDA CRESSWELL EIN 37-0842910 | Employee (plan); Direct payment from the plan Service code 30 | 2701 NORTH 89TH STREET CASEYVILLE, IL 62232 | $56K |
| RICHARD J BRESLIN CPA EIN 37-1057420 | Direct payment from the plan Service code 50 | 505 SOUTH ILLINOIS STREET BELLEVILLE, IL 62220 | $17K |
| SHEET METAL WORKERS UNION LOCAL 268 EIN 37-0557803 AFFILIATE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | 2701 N 89TH STREET CASEYVILLE, IL 62232 | $13K |
| EKON ADVISORS EIN 47-4491266 | Investment advisory (plan); Direct payment from the plan Service code 27 | 4940 WASHINGTON BLVD ST LOUIS, MO 63108 | $9K |
| HAMMOND AND SHINNERS PC EIN 43-1429257 | Legal; Direct payment from the plan Service code 29 | 13205 MANCHESTER ROAD SUITE 210 ST LOUIS, MO 63131 | $9K |
| EKON BENEFITS EIN 43-1317863 | Actuarial; Direct payment from the plan Service code 11 | 4940 WASHINGTON BLVD ST LOUIS, MO 63108 | $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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 285 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 350 | $21K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 440 | $386K |
| Other | HARTFORD LIFE AND ACCIDENT | 350 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.