| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | AMALGAMATED LIFE INSURANCE COMPANY | $48K | — | $48K | 6.50% |
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | THE UNION LABOR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $475K |
| SHEILA J FITZMAURICE EIN 15-6026163 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $100K |
| STACY BRAUN ASSOCIATES EIN 13-2889432 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $86K |
| BLITMAN & KING EIN 16-1047304 NONE | Direct payment from the plan; Legal Service code 29 | — | $80K |
| THE SEGAL CO. EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $73K |
| ELIZA POTEKHIN EIN 15-6025163 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| CASSIDY CHAPPINI EIN 15-6025163 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| JOSEPH W. MCCARTHY & ASSOC EIN 16-1120588 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
| DARLENE LOSTUMBO EIN 15-6025163 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| EMPLOYEE NETWORK, INC. EIN 16-1285790 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $23K |
| M&T BANK EIN 16-0538020 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $15K |
| MARCO CONSULTING GROUP EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $11K |
| SIMPLIFIED COMPUTERS EIN 16-1380265 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
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 | 962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 280 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,184 | $396K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 3,184 | $396K |
| Long-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 3,184 | $396K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 907 | $741K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 684 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,184 | — |
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."
No prospect flags tripped on this filing.