| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION GROUP INSURANCE ADMIN5 | 1155 EUGENIA PLACE CARPENTERIA, CA 93010 | HARTFORD LIFE AND ACCIDENT COMPANY | — | $1.4M | $1.4M | 6.37% |
| UNION PRIVILEGE3 | 1100 FIRST STREET, NE, STE. 850 WASHINGTON, DC 20002 | HARTFORD LIFE AND ACCIDENT COMPANY | $1.2M | — | $1.2M | 5.48% |
| UNION PRIVILEGE3 | 1100 FIRST STREET, NE, STE. 850 WASHINGTON, DC 20002 | METROPOLITAN LIFE INSURANCE COMPANY | $219K | $108 | $219K | 6.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION PRIVILEGE NONE | Plan Administrator Service code 14 | 1100 FIRST ST. NE SUITE 850 WASHINGTON, DC 20002 | $175K |
| PNC BANK EIN 22-1146430 NONE | Investment management Service code 28 | 620 LIBERTY AVENUE PITTSBURGH, PA 15222 | $122K |
| ACCUMAIL INC. EIN 54-1168611 NONE | Other services Service code 49 | 3381 H 75TH AVENUE LANDOVER, MD 20785 | $58K |
| UNION INSURANCE GROUP EIN 36-4226088 NONE | Other services Service code 49 | 815 CONNECTICUT AVE N.W. WASHINGTON, DC 20006 | $54K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVENUE, SUITE 1200 W BETHESDA, MD 20814 | $39K |
| MOUNT VERNON PRINTING EIN 76-0190827 NONE | Other services Service code 49 | 3201 MID ATLANTIC BLVD 100 LAUREL, MD 20785 | $20K |
| SLEVIN & HART P.C. NONE | Legal Service code 29 | 1625 MASSACHUSETTS AVE, NW WASHINGTON DC, DC 20036 | $15K |
| BREDHOFF & KAISER EIN 52-0969534 NONE | Legal Service code 29 | 805 FIFTEENTH STREET N.W. WASHINGTON, DC 20005 | $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 | 228,501 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT COMPANY | 74,566 | $25.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT COMPANY | 74,566 | $22.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,994 | $3.2M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT COMPANY | 74,566 | $25.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74,566 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.