| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP VISION SERVICES MGMT INC3 | 6700 ALEXANDER BELL DR SUITE #200 COLUMBIA, MD 21046 | DENTEGRA INSURANCE COMPANY | $14K | — | $14K | 4.00% |
| LAKESHORE BENEFIT GROUP INSURANCE3 | 301 ALBANY TURNPIKE CANTON, CT 06019 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $389K |
| CONIFER HEALTH SOLUTIONS EIN 52-1964905 NONE | Direct payment from the plan; Other fees; Other services Service code 49 | — | $160K |
| CHEIRON, INC. EIN 13-4215617 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $153K |
| RXBENEFITS EIN 31-1368946 NONE | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $125K |
| SLEVIN & HART, PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $101K |
| WITHUMSMITH+BROWN, P.C. EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| PNC EIN 22-1211909 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $24K |
| AMERICAN REALTY EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan; Non-monetary compensation Service code 28 | — | $24K |
| INVESTMENT PERFORMANCE SERVICE EIN 58-2432390 NONE | Investment management; Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
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 | 1,039 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTEGRA INSURANCE COMPANY | 1,439 | $356K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 1,612 | $36K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,258 | $38K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,258 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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."
No prospect flags tripped on this filing.