No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH EIN 25-1139840 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.7M |
| INDEPENDENCE BLUE CROSS EIN 23-0370270 NONE | Claims processing Service code 12 | — | $773K |
| ZELIS EIN 86-1040704 NONE | Claims processing Service code 12 | — | $122K |
| ASB CAPITAL EIN 56-6142514 NONE | Investment management fees paid directly by plan Service code 51 | — | $115K |
| ODONOGHUE & ODONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $113K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $104K |
| CHARTWELL EIN 23-2891243 NONE | Investment management fees paid directly by plan Service code 51 | — | $58K |
| LEVEL CARE HEALTH CONSORTIUM EIN 83-2819398 NONE | Claims processing Service code 12 | — | $51K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan Service code 51 | — | $38K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $31K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Other services Service code 49 | — | $15K |
| IPS EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $9K |
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 | 2,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,431 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,794 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,794 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.