| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PROGRAMMERS, INC.3 | P.O. BOX 5817 WALLINGFORD, CT 06492 | THE UNION LABOR LIFE INSURANCE COMPANY | $11K | — | $11K | 4.99% |
| LABOR FIRST LLC3 | 2406 NASSAU RD. CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE PROGRAMMERS INC EIN 06-0811449 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $136K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Contract Administrator; Direct payment from the plan; Other services; Claims processing; Insurance brokerage commissions and fees; Other commissions; Float revenue Service code 12 | — | $68K |
| SEGAL COMPANY EIN 13-1928058 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $53K |
| SHUMAKER, LOOP & KENDRICK EIN 34-4439491 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $17K |
| BUCKLEY, FRAME, BOUDREAU & CO., P.C EIN 06-0931761 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $15K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $13K |
| WEBSTER BANK EIN 06-0273620 NONE | Other fees; Direct payment from the plan Service code 50 | — | $11K |
| LOWER HUDSON VALLEY EIN 13-3240307 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $6K |
| EXETER TRUST COMPANY EIN 02-0476209 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $5K |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 211 | $11K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 220 | $212K |
| Other(2 contracts, 2 carriers) | UNITED AMERICAN | 211 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.