| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC. | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 NONE | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $1.9M |
| EXCELLUS BLUECROSS BLUESHIELD EIN 16-0821557 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $287K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 5214 MAIN STREET, SUITE 200 WILLIAMSVILLE, NY 14221 | $144K |
| ASHER KELLY NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HIGHWAY, SUITE 1 SOUTHFIELD, MI 48075 | $107K |
| MELISSA DEL PRETE EIN 16-0821557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Direct payment from the plan; Other services Service code 49 | 3700 KOPPERS ST 400 BALTIMORE, MD 21227 | $66K |
| ROCHESTER LABORERS BUILDING CORP AFFILIATED FUND | Other services; Direct payment from the plan Service code 49 | 20 FOURTH STREET ROCHESTER, NY 14609 | $59K |
| PATRICIA CALACI EIN 16-0821557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| JUSTIN VIBBER EIN 16-0871557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| MELISSA WHITE EIN 16-0821557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $39K |
| O'SULLIVAN ASSOCIATES, INC. NONE | Actuarial; Direct payment from the plan Service code 11 | 1236 BRACE RD, UNIT E CHERRY HILL, NJ 08034 | $38K |
| NICOLE TUGGLES EIN 16-0821557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| EMERGING TEL CORP NONE | Other services; Direct payment from the plan Service code 49 | 2604 ELMWOOD AVENUE, SUITE 127 ROCHESTER, NY 14618 | $19K |
| MORGANSTANLEY SMITHBARNEY LLC EIN 36-3145972 NONE | Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $14K |
| QUADIENT FINANCE, USA NONE | Other services; Direct payment from the plan Service code 49 | 478 WHEELERS FARMS ROAD MILFORD, CT 06461 | $11K |
| KARPUS INVESTMENT MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $9K |
| MANNING & NAPIER INC. EIN 16-0995763 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $8K |
| DOLAN MCENIRY CAPITAL MANAGEMENT NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 120 N LASALLE ST 1510 CHICAGO, IL 60602 | $6K |
| POLEN CAPITAL NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1825 NW CORPORATE BLVD, SUITE 300 BOCA RATON, FL 33431 | $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 | 586 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 530 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.