No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION LABOR LIFE INSURANCE CO EIN 13-1423090 NONE | Insurance services; Direct payment from the plan Service code 23 | 8403 COLESVILLE RD SILVER SPRING, MD 20910 | $272K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 500 VIRGINIA STREET EAST SUITE 525 CHARLESTON, WV 25301 | $142K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 1351 W M. HOWARD TAFT ROAD CINCINNATI, OH 452061721 | $91K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Contract Administrator Service code 13 | 1000 MIDATLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | $53K |
| KRAMER WARNER ASSOCIATES, INC NONE | Insurance services; Direct payment from the plan Service code 23 | 3545 RHOADS AVENUE NEWTOWN SQUARE, PA 19073 | $14K |
| GRAY, GRIFFITH AND MAYS EIN 55-0621482 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 707 VIRGINIA STREET, EAST, SUITE 40 CHARLESTON, WV 25301 | $13K |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 155 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.