| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR BENEFITS, LLC3 Filed as: LABOR BENEFITS LLC | 10104 SENATE DRIVE STE 233 LANHAM, MD 20706 | UNITED AMERICAN INSURANCE COMPANY | $29K | — | $29K | 1.32% |
| NONE | — | UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AK TEAMSTER ESC EIN 92-0046048 PARTY-IN-INTEREST | Contract Administrator; Direct payment from the plan Service code 13 | — | $581K |
| AETNA NONE | Direct payment from the plan; Insurance services Service code 23 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $456K |
| BENESYS EIN 38-2383171 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $428K |
| PARKER, SMITH, & FEEK EIN 91-0660018 NONE | Actuarial; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $177K |
| A & I BENEFIT PLAN ADMINISTRATORS EIN 93-0446761 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $146K |
| HEALTHCARE STRATEGIES, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | P.O. BOX 37039 BALTIMORE, MD 21297 | $114K |
| BRIDGEHEALTH MEDICAL, INC EIN 26-0804648 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $98K |
| HCCMCA NONE | Direct payment from the plan; Claims processing Service code 12 | 1469 HOLY CROSS DRIVE FAIRBANKS, AK 99709 | $69K |
| MONDRESS MONACO PARR LOCKWOOD PLLC EIN 91-1917286 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| CATAMARAN NONE | Direct payment from the plan; Claims processing Service code 12 | 1600 MCCONNOR PKWY SCHAUMBURG, IL 601736801 | $56K |
| CLIFTON LARSON ALLEN EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| WELLS FARGO EIN 94-1347393 NONE | Investment management; Direct payment from the plan Service code 28 | — | $35K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| VISION SERVICE PLAN EIN 92-0078509 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| H2U WELLNESS CENTERS, LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3322 WEST END BUILDING NASHVILLE, TN 37203 | $19K |
| GREG MORRIS EIN 76-0702672 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
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 | 1,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 643 | $2.2M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,803 | $159K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 643 | $2.2M |
| Other(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 1,846 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,846 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.