| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE4 Filed as: H.J. KNIGHT INTERNATIONAL | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 4.24% |
| HILB GROUP OF NEW ENGLAND4 Filed as: HILB GROUP OF ENGLAND LLC | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 PBM | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $551K |
| SOUTHERN BENEFIT ADMINISTRATORS EIN 62-1116095 ADMINISTATOR | Accounting (including auditing); Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Contract Administrator; Claims processing Service code 10 | P.O. BOX 1449 GOODLETTSVILLE, TN 37070 | $360K |
| UNITED HEALTHCARE EIN 36-2739571 CLAIMS PROCESSING | Claims processing Service code 12 | 6095 MAESHALEE DR. STE 200 ELKRIDGE, MD 21075 | $249K |
| HANCOCK WHITNEY EIN 64-0191065 INVESTMENT/ CUSTODIAN | Securities brokerage commissions and fees; Distribution (12b-1) fees; Investment management Service code 28 | 400 SONIAT ST. NEW ORLEANS, LA 70115 | $51K |
| TED SOILEAU CPA LLC EIN 45-1621265 ACCOUNTANT | Accounting (including auditing) Service code 10 | 2133 SILVERSIDE DR. STE C BATON ROUGE, LA 70808 | $22K |
| ROBEIN, URANN, SPENCER, ETAL EIN 72-0999672 FUND COUNSEL | Legal Service code 29 | 2540 SEVERN AVE, STE 400 METAIRIE, LA 70002 | $5K |
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 | 687 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 585 | $21K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 687 | $93K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 585 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.