| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE UNION LABOR LIFE INSURANCE COMP7 | 8403 COLESVILLE ROAD, 13TH FLOOR SILVER SPRING, MD 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $34K | $34K | — |
| ULLICO INVESTMENT COMPANY, LLC0 Filed as: ULLICO INVESTMENT COMPANY LLC | 8403 COLESVILLE RD SILVER SPRING, MD 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX EIN 47-0577013 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $950K |
| BLUE CROSS BLUE SHIELD OF KANSAS CI EIN 43-1257251 NONE | Contract Administrator Service code 13 | — | $339K |
| WILSON-MCSHANE EIN 41-0956552 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $289K |
| ARNOLD NEWBOLD SOLLARS & HOLLINS EIN 43-1174269 NONE | Direct payment from the plan Service code 50 | — | $130K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Other fees Service code 99 | — | $124K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $72K |
| COMMERCE TRUST COMPANY EIN 48-0962626 NONE | Investment management; Direct payment from the plan Service code 28 | — | $40K |
| CONSTRUCTION BENEFITS AUDIT CORP EIN 43-1244218 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
| ANDERS, MINKLER, HUBER & HELM LLP EIN 43-0831507 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| HEALTH GAUGE NONE | Other fees; Direct payment from the plan Service code 50 | 2407 SW 9TH ST DES MOINES, IA 503151905 | $13K |
| KEB CPAS NONE | Accounting (including auditing) Service code 10 | 3200 ROBBINS RD STE 200A SPRINGFIELD, IL 627046525 | $12K |
| PREFERRED HEALTH PROFESSIONALS EIN 20-1665464 NONE | Direct payment from the plan Service code 50 | — | $12K |
| CEMENT MASONS LOCAL 518 EIN 43-6039075 LOCAL UNION | Trustee (individual) Service code 20 | — | $7K |
| BURR OAK CONSULTING NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD ST. LOUIS, MO 63131 | $6K |
| MERTZ INSURANCE GROUP NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 5700 E FRANKLIN RD STE 220E NAMPA, ID 83687 | $6K |
| EMPLOYEE FRINGES AUDIT EIN 47-2979990 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
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 | 925 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 902 | $121K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 972 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.