| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEATH PARTNER GROUP | — | THE UNION LABOR LIFE INSURANCE COMPANY | $19K | — | $19K | 9.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH ADMINISTRATORS EIN 52-1590516 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $157K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management; Direct payment from the plan Service code 28 | — | $64K |
| EIDE BAILLY LLP EIN 42-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $57K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $49K |
| KRAW LAW GROUP APC EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| U.A LOCAL 355 EIN 68-0189344 PLAN SPONSOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $30K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $15K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $11K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 103 | $12K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 261 | $3K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 81 | $197K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 261 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.