| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $30K | — | $30K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMIN SERVICES, LLC EIN 11-3410766 NONE | Claims processing Service code 12 | — | $359K |
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $320K |
| DOAR, REICK, KALEY & MACK EIN 13-4120340 NONE | Legal Service code 29 | — | $213K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing) Service code 10 | — | $141K |
| RAPP INDUSTRIES EIN 22-2034252 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $121K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $66K |
| ADMINISTRATIVE SERVICES ONLY, INC EIN 11-2995970 NONE | Claims processing Service code 12 | — | $35K |
| TOCQUEVILLE ASSET MANAGEMENT EIN 13-3547557 NONE | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | — | $31K |
| HIGHLAND CAPITAL MANAGEMENT, LLC EIN 27-5440911 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $29K |
| CUNNINGHAM & CUNNINGHAM, LLP EIN 06-1506457 NONE | Legal Service code 29 | — | $11K |
| PITTA & GIBLIN LLP EIN 26-3852082 NONE | Legal Service code 29 | — | $11K |
| QUANVEST CONSULTANTS EIN 11-2559669 NONE | Investment advisory (plan) Service code 27 | — | $8K |
| REAL TIME CONSULTING EIN 22-2370271 NONE | Consulting (general) Service code 16 | — | $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 | 1,022 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,107 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.