No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST | Direct payment from the plan; Contract Administrator; Insurance services Service code 13 | 1000 MIDATLANTIC DRIVE, SUITE 100 MT LAUREL, NJ 08054 | $657K |
| MERITAIN HEALTH INC EIN 16-1264154 | Contract Administrator; Insurance services; Claims processing; Insurance brokerage commissions and fees Service code 12 | 300 SOUTH AMHERST PARKWAY AMHERST, NY 14226 | $205K |
| KIMBERLY HEFLIN EIN 37-0842910 | Employee (plan); Direct payment from the plan Service code 30 | 2701 NORTH 89TH STREET CASEYVILLE, IL 62232 | $77K |
| SHEET METAL WORKERS LOCAL 268 EIN 37-0557803 AFFILIATE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2701 NORTH 89TH STREET CASEYVILLE, IL 62232 | $12K |
| EKON ADVISORS EIN 47-4491266 | Direct payment from the plan; Investment advisory (plan) Service code 27 | 4940 WASHINGTON BLVD ST. LOUIS, MO 63108 | $11K |
| RICHARD J BERSLIN CPA EIN 37-1057420 | Direct payment from the plan; Accounting (including auditing) Service code 10 | 505 SOUTH ILLINOIS STREET BELLEVILLE, IL 62220 | $10K |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 312 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 366 | $26K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 458 | $472K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 366 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.