| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | — | THE UNION LABOR LIFE INSURANCE COMPANY | $8K | — | $8K | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 NONE | Direct payment from the plan; Contract Administrator; Other fees Service code 13 | — | $347K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $183K |
| MORGAN STANLEY NONE | Custodial (securities); Direct payment from the plan Service code 19 | 200 CRESCENT COURT SUITE 900 DALLAS, TX 75201 | $45K |
| RYAN BENEFITS INC EIN 46-1358532 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $40K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| CONNER & WINTERS LLP EIN 73-1388566 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| SPECTRUM REVIEW SERVICE, INC EIN 16-0318849 NONE | Direct payment from the plan; Other fees Service code 50 | — | $31K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 11590 N MERIDIAN STREET # 610 CARMEL, IN 46032 | $8K |
| DENTAL NETWORK OF AMERICA, LLC EIN 36-3339483 NONE | Other fees; Direct payment from the plan Service code 50 | — | $7K |
| RBC WEALTH MANAGEMENT NONE | Custodial (securities); Direct payment from the plan Service code 19 | 100 CRESCENT COURT SUITE 1500 DALLAS, TX 75201 | $7K |
| FIRST FIDELITY BANK EIN 73-1100200 NONE | Other fees; Direct payment from the plan Service code 50 | — | $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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY CARE | 4 | $11K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 518 | $44K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 500 | $429K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 518 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.