No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.1M |
| CENTRAL DATA SERVICES,INC. EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $435K |
| ENVISION RX EIN 90-1011712 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $257K |
| ROBEIN,URANN,SPENCER,PICARD&CANGEMI EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $131K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $118K |
| MADDIN,HAUSER,ROTH & HELLER PC NONE | Legal; Direct payment from the plan Service code 29 | 28400 NORTHWESTERN HWY, 2ND FLR SOUTHFIELD, MI 48034 | $118K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $64K |
| CONDUENT HR CONSULTING EIN 81-2983623 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $51K |
| HIGHLAND CAPITAL EIN 27-5440911 NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $47K |
| SUGARMAN & SUSSKIND, P.A. EIN 59-2539792 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| PNC BANK EIN 22-1146430 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $14K |
| ERMAN,TEICHER,ZUCKER & FREEDMAN PC EIN 38-1468534 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
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 | 2,474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 2,566 | $108K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,505 | $1.0M |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 2,566 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,566 | — |
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.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.