| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND4 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $19K | $9K | $28K | 7.38% |
| ULLICO INVESTMENT COMPANY, LLC7 | 8403 COLESVILLE ROAD, 13TH FLOOR SILVER SPRING, MA 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $24K | $24K | 20.04% |
| ULLICO INVESTMENT COMPANY, LLC | 8403 COLESVILLE ROAD, 13TH FLOOR SILVER SPRING, MA 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 NONE | Consulting (general); Plan Administrator Service code 14 | P.O. BOX 1449 GOODLETTSVILLE, TN 37070 | $362K |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Float revenue; Participant communication; Claims processing; Named fiduciary Service code 12 | 5901 LINCOLN DRIVE MINNEAPOLIS, MN 55436 | $336K |
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 NONE | Direct payment from the plan; Named fiduciary; Claims processing; Other services; Participant communication; Float revenue; Non-monetary compensation; Contract Administrator Service code 12 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $107K |
| MORGAN STANLEY GLOBAL BANKING EIN 94-1671384 NONE | Custodial (securities); Investment management; Investment advisory (plan) Service code 19 | 1585 BROADWAY NEW YORK, NY 10036 | $35K |
| STRANCH, JENNINGS & GARVEY PLLC EIN 62-0513048 NONE | Legal Service code 29 | 223 ROSA L PARKS AVE 200 NASHVILE, TN 37203 | $25K |
| THE UNION LABOR LIFE INSURANCE CO EIN 13-1423090 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1625 EYE STREET WASHINGTON, DC 20006 | $24K |
| DANIELS, IRWIN & AYLOR CPAS EIN 62-1802605 NONE | Accounting (including auditing) Service code 10 | 223 MADISON ST STE 112 MADISON, TN 37115 | $24K |
| MONEY MARKET/MUTUAL FUNDS/ETF'S NONE | Custodial (securities); Investment management Service code 19 | — | $0 |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,037 | $122K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,037 | $374K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,037 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.