| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS A WOHLMAN INC. Filed as: DOUGLAS A WOHLMAN | 11320 NE 103TH STREET KIRKLAND, WA 98033 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS, INC EIN 88-0277518 NONE | Contract Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $911K |
| CASEY NEILON, INC. EIN 20-5570744 | Accounting (including auditing); Direct payment from the plan Service code 10 | 503 N DIVISION ST CARSON CITY, NV 89703 | $42K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities); Other investment fees and expenses; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $38K |
| NEYHART ANDERSON FLYNN & GRISBOLL EIN 94-2576729 | Legal; Direct payment from the plan Service code 29 | 645 RYAN TERRACE SAN RAMON, CA 94583 | $25K |
| ALLIANT EIN 33-0785439 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $13K |
| UNITED ACTUARIAL SERVICES NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 NORTH MERIDIAN ST. SUITE 610 CARMEL, IN 46032 | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,647 | $70K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,610 | $1.4M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,647 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,647 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.