| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH ST. NEW YORK, NY 100012402 | THE UNION LABOR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCSC EIN 36-1236610 NONE | Claims processing; Other fees Service code 12 | — | $13.4M |
| EMPLOYEE HEALTH INSURANCE MGMT INC EIN 38-2776173 NONE | Claims processing Service code 12 | — | $2.2M |
| KINGSMAN HOLDINGS INC DBA KEPRO EIN 82-1167587 NONE | Other services Service code 49 | — | $2.0M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $2.0M |
| BEACON HEALTH OPTIONS INC EIN 54-1414194 NONE | Claims processing Service code 12 | — | $1.7M |
| JANUS HENDERSON INVESTORS EIN 75-3019302 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $1.0M |
| NEWMARK KNIGHT FRANK EIN 45-4867781 NONE | Other services Service code 49 | — | $791K |
| EQUIAN, LLC EIN 27-0083277 NONE | Other services Service code 49 | — | $659K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $594K |
| ABERDEEN ASSET MANAGEMENT EIN 51-0368279 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $585K |
| DANIEL A. WINTERS & CO EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $566K |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Other services Service code 49 | — | $552K |
| LOOMIS SAYLES & CO EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $517K |
| BASYS INC EIN 52-1796473 NONE | Consulting (general); Other commissions Service code 16 | — | $517K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 NONE | Other services Service code 49 | — | $501K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $485K |
| WILLIAM BLAIR INVESTMENT MGMT LLC EIN 47-2614791 NONE | Investment management; Other investment fees and expenses; Investment management fees paid directly by plan Service code 28 | — | $481K |
| SEGAL COMPANY EIN 13-1835864 NONE | Insurance agents and brokers; Consulting (general); Direct payment from the plan; Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $443K |
| COLCHESTER GLOBAL INVESTORS LIMITED NONE | Investment management fees paid directly by plan Service code 51 | — | $377K |
| BRANDYWINE GLOBAL INVESTMENT MGMT EIN 51-0294065 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $365K |
| LORD ABBETT & COMPANY LLC EIN 13-5620131 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $332K |
| PACIFIC INVESTMENT MANAGEMENT CO EIN 33-0629048 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Other investment fees and expenses; Investment management Service code 28 | — | $263K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 NONE | Claims processing Service code 12 | — | $219K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $211K |
| TIERPOINT LLC EIN 27-2877647 NONE | Other services Service code 49 | — | $206K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 NONE | Claims processing Service code 12 | — | $195K |
| EMPLOYEE A EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $195K |
| CHANGE HEALTHCARE BUS FULFILLMENT EIN 20-5731067 NONE | Other services Service code 49 | — | $185K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Other investment fees and expenses; Other commissions; Investment management; Custodial (securities); Investment management fees paid directly by plan; Shareholder servicing fees; Float revenue Service code 19 | — | $173K |
| MEDICAL REVIEW INST OF AMERICA EIN 87-0515201 NONE | Other services Service code 49 | — | $172K |
| WELLS FARGO BANK NA EIN 94-1347393 NONE | Account maintenance fees Service code 65 | — | $168K |
| SEGAL ADVISORS DBA SEGALROGERSCASEY EIN 13-2646110 NONE | Investment management fees paid directly by plan; Other services; Investment management; Investment advisory (plan) Service code 27 | — | $163K |
| EMPLOYEE B EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $158K |
| CBRE CLARION REAL ESTATE SECURITIES EIN 23-2802869 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $153K |
| HDMS EIN 23-3009341 NONE | Other services Service code 49 | — | $144K |
| BROOKFIELD US INC. EIN 22-3335453 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $141K |
| STANDARD REGISTER EIN 41-0852411 NONE | Copying and duplicating Service code 36 | — | $134K |
| AEW CAPITAL MANAGEMENT EIN 04-3329433 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $125K |
| PREMIER TECHNOLOGY SOLUTIONS INC EIN 13-3933805 NONE | Other services Service code 49 | — | $125K |
| ELAVON MERCHANT SERVICES EIN 58-1916822 NONE | Other services Service code 49 | — | $115K |
| ALLSUP INC EIN 37-1170934 NONE | Other services Service code 49 | — | $105K |
| EMPLOYEE C EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $105K |
| EMPLOYEE D EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $105K |
| EMPLOYEE E EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| EMPLOYEE F EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| EMPLOYEE G EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| EMPLOYEE H EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $99K |
| EMPLOYEE I EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| EMPLOYEE J EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| EMPLOYEE K EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
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 | 25,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,732 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37,620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 26,837 | $3.5M |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 3,618 | $1.2M |
| Other(2 contracts, 2 carriers) | BEACON HEALTH OPTIONS INC | 37,917 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,917 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.