| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD CHICOSKI III Filed as: EDWARD J. CHICOSKI | 301 ALBANY TURNPIKE CANTON, CT 06019 | UNION LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARDAY ASSOCIATES, INC. EIN 53-0257019 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $417K |
| DLA PIPER, LLP (US) EIN 52-0616490 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| DENTAGRA INSURANCE COMPANY EIN 75-1233841 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $39K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $26K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $16K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $14K |
| TOAL, MURRAY, DAY, & LALOR, LLC EIN 82-2029500 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| ALSTON & BIRD LLP EIN 58-0137615 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,406 | $9.9M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,406 | $9.9M |
| Life insurance | UNION LIFE INSURANCE COMPANY OF AMERICA | 819 | $81K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,406 | $9.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,406 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.