| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL RX, INC. EIN 35-2612946 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan Service code 12 | — | $6.3M |
| CT PIPE TRADES BENEFIT FUNDS ADMIN EIN 06-1542648 ADMINISTRATIVE CORP | Plan Administrator Service code 14 | — | $996K |
| EYEMED VISION BENEFIT PROVIDER | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 4000 LUXOTTICA PL MASON, OH 45040 | $135K |
| SEGAL COMPANY EIN 13-1928058 ACTUARIAL CONSULTANT | Consulting (pension) Service code 17 | — | $111K |
| CT COALITION OF TAFT-HARTLEY FUNDS EIN 22-3176650 SUPPORT SERVICES | Other fees Service code 99 | — | $91K |
| HOLM & O'HARA LLP EIN 13-3591118 ATTORNEY | Legal Service code 29 | — | $88K |
| BRIDGEWAY BENEFITS TECHNOLOGIES EIN 52-1796473 COMPUTER SUPPORT CONSUL | Direct payment from the plan; Consulting (general) Service code 16 | — | $58K |
| SEI EIN 23-1707341 INVESTMENT CUSTODIAN | Float revenue; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan; Investment management Service code 19 | — | $58K |
| LOWER HUDSON VALLEY E.A.P. EIN 13-3240307 HEALTH CONSULTANTS | Consulting (general) Service code 16 | — | $50K |
| HINGE HEALTH BENEFIT PROVIDER | Other fees Service code 99 | 455 MARKET STREET 7TH FLOOR SAN FRANCISCO, CA 94105 | $49K |
| SEGAL SELECT INSURANCE SERVICES, IN EIN 46-0619194 INSURANCE PROVIDER | Insurance brokerage commissions and fees Service code 53 | — | $39K |
| BEERS, HAMERMAN, COHEN & BURGER, PC EIN 47-2517893 AUDITOR | Accounting (including auditing) Service code 10 | — | $36K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 ATTORNEY | Legal Service code 29 | — | $26K |
| NOVAK FRANCELLA LLC EIN 61-1436956 PAYROLL AUDITOR | Accounting (including auditing) Service code 10 | — | $16K |
| PART D ADVISORS CONSULTANT | Consulting (general) Service code 16 | 17199 N LAUREL PARK DR 400 LIVONIA, MI 48152 | $15K |
| MAGNANI GRAPHICS EIN 83-0345189 PRINTING SERVICES | Other fees Service code 99 | — | $9K |
| CONTEXT4 HEALTHCARE EIN 27-0386030 HEALTH BENEFIT CONSULTANT | Other fees Service code 99 | — | $8K |
| UCONN EIN 06-0772160 HEARING BENEFIT PROVIDER | Other fees Service code 99 | — | $5K |
| ANTHEM HEALTH PLANS EIN 06-1475928 BENEFIT PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Insurance agents and brokers; Insurance brokerage commissions and fees; Claims processing; Other commissions; 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 | 1,390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 656 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS, INC. | 1,328 | $0 |
| Life insurance | SYMETRA | 1,875 | $379K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,550 | $1.0M |
| Other | SYMETRA | 1,875 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,875 | — |
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.