| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REIN COMPANY INC3 | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | SYMETRA LIFE INSURANCE COMPANY | $72K | $15K | $88K | 1.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 36 S. CHARLES ST., SUITE 1000 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | $74K | — | $74K | 1.06% |
| THE REIN COMPANY INC3 Filed as: THE REIN COMPANY INC. | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | UNION LABOR LIFE INSURANCE COMPANY | $157K | — | $157K | 11.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 36 S. CHARLES ST., SUITE 1000 BALTIMORE, MD 21201 | UNION LABOR LIFE INSURANCE COMPANY | $32K | — | $32K | 2.29% |
| LABOR FIRST LLC3 | 1000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | HUMANA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DECISION SCIENCE, INC EIN 52-1055523 NONE | Contract Administrator Service code 13 | — | $778K |
| COMPLETE CLAIM SOLUTIONS, INC. EIN 26-4450838 NONE | Claims processing Service code 12 | — | $297K |
| AMERICAN HEALTH HOLDING, INC EIN 31-1368946 NONE | Other fees Service code 99 | — | $251K |
| NCAS (CAREFIRST PPO) EIN 52-1187907 NONE | Other fees Service code 99 | — | $155K |
| BALDWIN LAW GROUP, LLP EIN 51-0568066 NONE | Legal Service code 29 | — | $102K |
| INTERGROUP LLC EIN 46-4090739 NONE | Other fees Service code 99 | 401 SHADY AVENUE SUITE B-108 PITTSBURGH, PA 15206 | $69K |
| CIGNA DENTAL NONE | Other fees Service code 99 | 1601 CHESTNUT ST, PHILADELPHIA, PA 19192 | $49K |
| OPTUMRX EIN 33-0441200 NONE | Other fees Service code 99 | — | $46K |
| BOLTON PARTNERS, INC EIN 52-1231144 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| RAYMOND JAMES & ASSOCIATES, INC EIN 59-1237041 NONE | Securities brokerage; Investment advisory (plan) Service code 27 | — | $25K |
| GOLDBERG & BANKS, P.C. EIN 52-2062749 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| NATIONAL VISION ADMINISTRATOR EIN 74-3033381 NONE | Claims processing Service code 12 | — | $17K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $12K |
| ACCENT PRINTERS, INC. EIN 52-1263036 NONE | Other fees Service code 99 | — | $10K |
| DOYLE PRINTING & OFFSET CO., INC EIN 53-0191325 NONE | Other fees Service code 99 | — | $9K |
| FAIR HEALTH, INC. EIN 90-0524293 NONE | Other fees Service code 99 | — | $6K |
| LAW OFFICES OF ROBERT E. PAUL, PLLC NONE | Legal Service code 29 | 1025 CONNECTICUT AVE NW, SUITE 1000 WASHINGTON, DC 200365420 | $6K |
| M & T BANK EIN 16-0538020 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $0 |
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 | 2,638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 406 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,569 | $7.0M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 2,569 | $7.0M |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 2,607 | $1.4M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,569 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,607 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.