| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUGUSTINE A OLALERE3 Filed as: AUGUSTINE OLALERE | 845 LOWCOUNTRY BLVD STE 5 MOUNT PLEASANT, SC 29464 | THE UNION LABOR LIFE INSURANCE COMPANY | $86K | — | $86K | 12.00% |
| SUDLER INSURANCE SERVICES INC3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 330762775 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARTY COHN & FEUER LC EIN 65-0718930 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | — | $122K |
| EDWIN STEWART EIN 59-0832169 FUND MANAGER | Employee (plan) Service code 30 | — | $76K |
| CORLISS SELLERS EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| BETTY WILLIAMS EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| ROLANDO BLAKE EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| BETTY ROBINSON EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| ELISE DIXON EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| KRAVITZ TALAMO & LEYTON LLP EIN 11-3720526 SERVICE PROVIDER | Legal Service code 29 | — | $27K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 SERVICE PROVIDER | Custodial (securities) Service code 19 | — | $26K |
| BUCK GLOBAL LLC EIN 13-3954297 SERVICE PROVIDER | Actuarial Service code 11 | — | $6K |
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 | 1,707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 769 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $588K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,053 | $713K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 4,053 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,053 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.