| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST, LLC | 1000 MIDLANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 2.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 36 S. CHARLES ST., STE 1000 BALTIMORE, MD 21201 | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | $4K | $12K | 10.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 36 S. CHARLES ST., STE 1000 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | $3K | $982 | $4K | 8.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS/CAREMARK EIN 75-2882129 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $693K |
| CARDAY ASSOCIATES, INC. EIN 53-0257019 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $223K |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 NONE | Float revenue; Other insurance fees and expenses; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | — | $185K |
| CERES PARTNERS LLC EIN 26-4771307 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $66K |
| MOONEY, GREEN SAINDON, MURPHY EIN 52-1958229 NONE | Legal; Employee (plan) Service code 29 | — | $58K |
| CAREFIRST BLUE CROSS BLUE SHIELD NONE | Claims processing; Direct payment from the plan Service code 12 | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | $43K |
| PNC BANK EIN 22-1146430 NONE | Direct payment from the plan; Other services Service code 49 | — | $28K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $24K |
| AMERICAN HEALTH HOLDINGS NONE | Consulting (general); Direct payment from the plan Service code 16 | 7400 W. CAMPUS RD, STE F510 NEW ALBANY, OH 43054 | $22K |
| NCAS PAYMENT ADMINISTRATOR NONE | Direct payment from the plan; Claims processing Service code 12 | 1501 S. CLINTON ST., 7TH FLOOR BALTIMORE, MD 21224 | $20K |
| LONGFELLOW INVESTMENT MANAGEMENT CO EIN 04-2933956 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $18K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| DAHAB ASSOCIATES EIN 11-2783874 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $8K |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 754 | $46K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 565 | $112K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 754 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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.