| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS A WOHLMAN INC.3 Filed as: DOUGLAS A WOHLMAN INC | — | THE UNION LABOR LIFE INSURANCE COMPANY | — | $231 | $231 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590156 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $245K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $87K |
| INNOVATIVE COST MANAGEMENT SERVICES EIN 77-0199752 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $54K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $49K |
| SALTZMAN & JOHNSON LAW CORPORATION EIN 95-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| HEALTHLINX, LLC EIN 87-0660214 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| OPTUM RX INC. EIN 33-0441200 NONE | Other fees; Float revenue Service code 62 | — | $13K |
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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $131K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 718 | $23K |
| Stop-loss / reinsurancereinsurance | SUN LIFE INSURANCE COMPANY OF CANADA | 156 | $490K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 718 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.