| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS3 | P.O. BOX 5817 WALLINGFORD, CT 06492 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $159K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Claims processing; Insurance brokerage commissions and fees; Other services; Float revenue; Other commissions; Contract Administrator; Insurance agents and brokers; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $87K |
| SHUMAKER, LOOP & KENDRICK EIN 34-4439491 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $26K |
| SEGAL COMPANY EIN 13-1928058 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $20K |
| HINES AND ASSOCIATES EIN 36-3545085 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $19K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| LOWER HUDSON VALLEY EIN 13-3240307 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
| ZELIS CLAIMS INTEGRITY, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 340 MOUNT KEMBLE AVE. MORRISTOWN, NJ 079606679 | $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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 244 | $13K |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 57 | $180K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 251 | $396K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 244 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.