| 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 | $32K | — | $32K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMIN SERVICES, LLC EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $419K |
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 NONE | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $396K |
| DOAR RIECK DEVITA KALEY & MACK EIN 13-4120430 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $269K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $165K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $90K |
| DATA SURGE SOLUTIONS OF NY, INC EIN 83-0594917 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $65K |
| ISSI EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $51K |
| ADMINISTRATIVE SERVICES ONLY, INC EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $39K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $26K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| REAL TIME CONSULTING EIN 22-2370271 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $21K |
| CUNNINGHAM & CUNNINGHAM, LLP EIN 06-1506457 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| QUAN-VEST CONSULTANTS, INC EIN 11-2559669 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $9K |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,112 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.