| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH ADMINISTRATORS EIN 95-2360922 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $240K |
| INNOVATIVE COST MANANGEMENT EIN 77-0119752 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $54K |
| BLUE CROSS EIN 95-4331852 NONE | Contract Administrator; Claims processing; Float revenue; Other services; Consulting (general) Service code 12 | — | $35K |
| HEALTH MANAGEMENT SYSTEMS EIN 13-2770433 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $31K |
| CITY NATIONAL SECURITIES EIN 95-1780067 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $23K |
| HEMMING MORSE CPAS AND CONSULTANTS EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| SALTZMAN & JOHNSON EIN 95-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| OPTUM RX EIN 33-0441200 NONE | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 407 | $227K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 836 | $28K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 836 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,954 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.