No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Consulting (pension); Actuarial Service code 11 | — | $206K |
| JASMIN ESTEVEZ EIN 13-6110088 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2180279 NONE | Consulting (general); Consulting fees Service code 16 | — | $44K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| FUSCO GALLAGHER PORCARO & MONROE EIN 20-0467468 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| MARSHALL & MOSS ADMIN. SERVICES EIN 81-2845805 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $27K |
| QUAN VEST INVESTMENT ADVISORS EIN 11-2559669 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE UNION LABOR LIFE INSURANCE COMPANY | 330 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 330 | $0 |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 330 | $0 |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY | 78 | $139K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 330 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.