| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 Filed as: BENESYS INC. | 700 TOWER DR STE 300 TROY, MI 48098 | EMPHESYS INSURANCE COMPANY | $340K | — | $340K | 26.66% |
| BENESYS INC5 Filed as: BENESYS INC. | 700 TOWER DR STE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 30.45% |
| BENESYS INC5 Filed as: BENESYS INC. | 700 TOWER DR STE 300 TROY, MI 48098 | EMPHESYS INSURANCE COMPANY | $250 | — | $250 | 25.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS NONE | Direct payment from the plan; Claims processing Service code 12 | P.O. BOX 826989 PHILADELPHIA, PA 19182 | $5.0M |
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $3.7M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Contract Administrator Service code 12 | — | $3.6M |
| CCAW JV, LLC EIN 84-3867549 NONE | Other services; Direct payment from the plan Service code 49 | — | $342K |
| DELTA DENTAL OF OHIO EIN 31-0685339 NONE | Claims processing; Direct payment from the plan; Insurance agents and brokers; Other insurance fees and expenses Service code 12 | — | $301K |
| CMRCC FRINGE BENEFIT FUND, INC. EIN 20-3330679 RELATED ORGANIZATION | Direct payment from the plan; Other services Service code 49 | — | $275K |
| LEVEL CARE HEALTH CONSORTIUM EIN 83-2819398 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $249K |
| ASHERKELLY EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | — | $216K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 NONE | Direct payment from the plan; Claims processing; Insurance agents and brokers; Other insurance fees and expenses Service code 12 | — | $203K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $176K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $148K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $128K |
| SAGE ADVISORY SERVICES EIN 74-2798841 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $93K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $83K |
| JOHNSON & KROL EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $77K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $76K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $69K |
| CIUNI & PANICHI, INC. EIN 34-1322309 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan Service code 10 | — | $66K |
| KEY BANK EIN 34-1778747 NONE | Investment management fees paid directly by plan; Shareholder servicing fees; Direct payment from the plan; Investment management Service code 28 | — | $62K |
| L.M. HENDERSON & CO, LLP EIN 20-5520612 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $60K |
| PNC BANK, NATIONAL ASSOCIATION EIN 22-1146430 NONE | Investment management; Other investment fees and expenses; Soft dollars commissions; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $57K |
| ACCESS NONE | Other services; Direct payment from the plan Service code 49 | 500 UNICORN PARK, STE 503 WOBURN, MA 01801 | $37K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $18K |
| WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| GRM INFORMATION MANAGEMENT NONE | Direct payment from the plan; Other services Service code 49 | 215 COLES ST JERSEY CITY, NJ 07310 | $7K |
| SEGAL SELECT INSURANCE SERVICE EIN 46-0619194 NONE | Insurance services; Insurance brokerage commissions and fees Service code 23 | — | $0 |
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 | 20,998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,636 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 28,589 | $648K |
| Prescription drug(6 contracts, 2 carriers) | EMPHESYS INSURANCE COMPANY | 2,962 | $1.4M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 10,693 | $1.3M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 28,589 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,589 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.