| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BOLTON PARTNERS, INC | 36 S. CHARLES STREET, STE 1000 BALTIMORE, MD 21201 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | — | $18K | 4.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 7130 COLUMBIA GATEWAY DR, SUITE A COLUMBIA, MD 21046 | $307K |
| CAREFIRST BLUE CROSS / BLUE SHEILD EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | P.O BOX 791502 BALTIMORE, MD 21279 | $181K |
| MORGAN STANLEY/GRAYSTONE GROUP CONS EIN 54-1008544 NONE | Investment advisory (plan); Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 125 WEST STREET ANNAPPOLIS, MD 21401 | $79K |
| TURNER, LEINS & GOLD, LLC EIN 54-2024361 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 108 CENTER ST N VIENNA, VA 22180 | $77K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | 7400 W CAMPUS RD F510 NEW ALBANY, OH 43054 | $64K |
| MARKOWITZ & RICHMOND EIN 23-2111581 NONE | Legal Service code 29 | 121 SOUTH BROAD STREET PHILADELPHIA, PA 19107 | $56K |
| CAREMARK/CVS, INC. EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 6590 LEES SUMMIT, MO 64064 | $49K |
| THE BOLTON GROUP EIN 52-1231144 NONE | Direct payment from the plan; Consulting fees; Actuarial Service code 11 | 36 S CHARLES STREET, STE 1000 BALTIMORE, MD 21201 | $41K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | ON DELTA DRIVE MECHANICSBURG, PA 170556999 | $30K |
| SEGAL SELECT INSURANCE SERVICES INC NONE | Insurance services Service code 23 | PO BOX 21420 NEW YORK, NY 103871393 | $18K |
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 | 1,353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,318 | $440K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,318 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,318 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.