| 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 | $27K | $0 | $27K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCSC EIN 36-1236610 NONE | Other fees; Claims processing Service code 12 | — | $13.8M |
| KINGSMAN HOLDINGS INC DBA KEPRO EIN 82-1167587 NONE | Other services Service code 49 | — | $4.7M |
| EMPLOYEE HEALTH INSURANCE MGMT INC EIN 38-2776173 NONE | Claims processing Service code 12 | — | $3.0M |
| LYRA HEALTH, INC. EIN 47-2935915 NONE | Claims processing Service code 12 | — | $2.9M |
| EXPRESS SCRIPTS (MEDCO) EIN 22-3461740 NONE | Claims processing Service code 12 | — | $2.1M |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Other services Service code 49 | — | $1.9M |
| VIRTA MEDICAL EIN 36-4841662 NONE | Claims processing Service code 12 | — | $1.5M |
| JANUS HENDERSON INVESTORS EIN 75-3019302 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $1.2M |
| BASYS INC EIN 52-1796473 NONE | Other commissions; Consulting (general) Service code 16 | — | $909K |
| NEWMARK KNIGHT FRANK EIN 45-4867781 NONE | Other services Service code 49 | — | $893K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $725K |
| ABERDEEN ASSET MANAGEMENT EIN 51-0368279 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $631K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 NONE | Other services Service code 49 | — | $567K |
| SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Insurance agents and brokers; Consulting (general); Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $563K |
| LOOMIS SAYLES & CO EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $502K |
| LORD ABBETT & COMPANY LLC EIN 13-5620131 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $467K |
| MEPT EDGEMORE NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $404K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $386K |
| JPM GLOBAL EMERGING MARKET EIN 04-3395941 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $375K |
| BRANDYWINE GLOBAL INVESTMENT MGMT EIN 51-0294065 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $322K |
| PACIFIC INVESTMENT MANAGEMENT CO EIN 33-0629048 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management; Other investment fees and expenses Service code 28 | — | $279K |
| CDW DIRECT LLC EIN 36-3310735 NONE | Other services Service code 49 | — | $271K |
| BROOKFIELD US INC. EIN 22-3335453 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $271K |
| MEDICAL REVIEW INST OF AMERICA EIN 87-0515201 NONE | Other services Service code 49 | — | $259K |
| COLCHESTER GLOBAL INVESTORS LIMITED NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $232K |
| EMPLOYEE A EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $215K |
| AEW CAPITAL MANAGEMENT EIN 04-3329433 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $212K |
| ELAVON MERCHANT SERVICES EIN 58-1916822 NONE | Other services Service code 49 | — | $208K |
| DANIEL A. WINTERS & CO EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $207K |
| TIERPOINT LLC EIN 27-2877647 NONE | Other services Service code 49 | — | $205K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 NONE | Claims processing Service code 12 | — | $199K |
| INVESCO IBRA EIN 58-1707262 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $199K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management fees paid directly by plan; Shareholder servicing fees; Custodial (securities); Other investment fees and expenses; Other commissions; Investment management; Float revenue Service code 19 | — | $186K |
| EMPLOYEE B EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $177K |
| OPTIV SECURITY INC EIN 43-1806449 NONE | Other services Service code 49 | — | $171K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $165K |
| PREMIER TECHNOLOGY SOLUTIONS INC EIN 13-3933805 NONE | Other services Service code 49 | — | $164K |
| PARAMETRIC PORTFOLIO EIN 20-0292745 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $151K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 NONE | Claims processing Service code 12 | — | $150K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Other services; Investment advisory (plan); Investment management; Investment management fees paid directly by plan Service code 27 | — | $147K |
| EMPLOYEE C EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $135K |
| GENERAL DYNAMICS INFORMATION TECH EIN 54-1194322 NONE | Other services Service code 49 | — | $133K |
| ORACLE AMERICA INC EIN 94-2805249 NONE | Other services Service code 49 | — | $133K |
| WELLS FARGO BANK NA EIN 94-1347393 NONE | Account maintenance fees Service code 65 | — | $131K |
| SMART DATA SOLUTIONS INC EIN 41-2006324 NONE | Claims processing Service code 12 | — | $120K |
| EMPLOYEE D EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $117K |
| OPTUM HEALTH CARE SOLUTIONS EIN 41-1591944 NONE | Other services Service code 49 | — | $114K |
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $113K |
| EMPLOYEE E EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $113K |
| EMPLOYEE F EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
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 | 25,761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,966 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 38,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 26,646 | $3.8M |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 3,787 | $1.4M |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 2,691 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,646 | — |
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.