No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| L.C MUSGOVE ASSOCIATES EIN 54-0759756 NONE | Contract Administrator Service code 13 | P/O. BOX 13487 ROANOKE, VA 24034 | $132K |
| O'DONOGHUE & O'DONOGHUE, LLP EIN 53-0120528 NONE | Consulting (general) Service code 16 | 4748 WISCONSIN AVE WASHINGTON, DC 20016 | $31K |
| AMERICAN BENEFIT GROUP EIN 55-0672859 NONE | Insurance services Service code 23 | 3150 US RT 60 ONA, WV 25545 | $30K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVENUE, SUITE 1200 W BETHESDA, MD 20814 | $30K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance services Service code 23 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $27K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Actuarial; Consulting (general) Service code 11 | 5400 LAUREL SPRINGS PKWY SUWANEE, GA 30024 | $26K |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNION LABOR LIFE INSURANCE CORPORATION | 338 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.