No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Contract Administrator Service code 13 | 3150 US ROUTE 60 ONA, WV 25545 | $291K |
| THE UNION LABOR LIFE INSURANCE COMP EIN 13-1423090 NONE | Insurance services Service code 23 | 8403 COLESVILLE RD SILVER SPRING, MD 20910 | $99K |
| SYMETRA LIFE INSURANCE COMPANY EIN 91-0742147 NONE | Insurance services Service code 23 | PO BOX 1491 MINNEAPOLIS, MN 55480 | $72K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 N. MERIDIAN STREET SUITE 610 CARMEL, IN 46032 | $69K |
| ABATO, RUBENSTEIN AND ABATO, PA EIN 52-0904713 NONE | Legal Service code 29 | 809 GLENEAGLES COURT SUITE 320 BALTIMORE, MD 21286 | $37K |
| HARRIS HARDIN & COMPANY EIN 55-0756523 NONE | Accounting (including auditing) Service code 10 | 404 NINTH STREET HUNTINGTON, WV 25723 | $17K |
| GRAY, GRIFFITH & MAYS, A.C. EIN 55-0621482 NONE | Accounting (including auditing) Service code 10 | 707 VIRGINIA STREET, EAST CHASE TOWER, SUITE 400 CHARLESTON, WV 25301 | $17K |
| ALAN BILLER AND ASSOCIATES EIN 94-2854958 NONE | Direct payment from the plan Service code 50 | 535 MIDDLEFIELD ROAD SUITE 230 MENLO PARK, CA 94025 | $15K |
| JOHNSON PRINTING COMPANY NONE | Other services Service code 49 | 4136 GREEN VALLEY RD HUNTINGTON, WV 25701 | $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 | 969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 588 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,021 | $7.2M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,015 | $96K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,021 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.