| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BOLTON PARTNERS | 36 S CHARLES ST 1000 BALTIMORE, MD 21201 | THE UNION LABOR LIFE INSURANCE CO. | $2K | $9K | $11K | 5.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS CAREMARK EIN 05-0340626 SERVICE PROVIDER | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| O'DONOGHUE AND O'DONOGHUE EIN 53-0120528 SERVICE PROVIDER | Legal; Direct payment from the plan Service code 29 | — | $136K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $130K |
| EMPLOYEES OF IATSE LOCAL 22 WELFARE EIN 52-1021473 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $103K |
| BENEFITS ADMINISTRATION CORPORATION EIN 52-1139156 SERVICE PROVIDER | Direct payment from the plan; Claims processing Service code 12 | — | $88K |
| A&S FINANCIAL SERVICES, LLC EIN 27-4189010 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $76K |
| SARFINO AND RHOADES, LLP EIN 52-0961657 SERVICE PROVIDER | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| NCAS SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | 10455 MILL RUN ROAD OWINGS MILLS, MD 21117 | $40K |
| BOLTON PARTNERS, INC. EIN 52-1231144 SERVICE PROVIDER | Actuarial; Direct payment from the plan Service code 11 | — | $26K |
| AMERICA HEALTH HOLDINGS, INC. EIN 31-1368946 SERVICE PROVIDER | Direct payment from the plan; Contract Administrator Service code 13 | — | $22K |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 253 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 187 | $30K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 217 | $197K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 187 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.