| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 730 FIFTH AVE NEW YORK, NY 10019 | THE UNION LABOR LIFE INSURANCE COMPANY | $22K | $0 | $22K | 2.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCSC EIN 36-1236610 NONE | Other fees; Claims processing Service code 12 | — | $14.7M |
| EXPRESS SCRIPTS (MEDCO) EIN 22-3461740 NONE | Claims processing Service code 12 | — | $7.0M |
| KINGSMAN HOLDINGS INC DBA KEPRO EIN 82-1167587 NONE | Other services Service code 49 | — | $4.8M |
| LYRA HEALTH, INC. EIN 47-2935915 NONE | Claims processing Service code 12 | — | $3.4M |
| EMPLOYEE HEALTH INSURANCE MGMT INC EIN 38-2776173 NONE | Claims processing Service code 12 | — | $3.4M |
| VIRTA MEDICAL EIN 36-4841662 NONE | Claims processing Service code 12 | — | $2.4M |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Other services Service code 49 | — | $2.3M |
| JANUS HENDERSON INVESTORS EIN 75-3019302 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $1.2M |
| NEWMARK KNIGHT FRANK EIN 45-4867781 NONE | Other services Service code 49 | — | $933K |
| BASYS INC EIN 52-1796473 NONE | Other commissions; Consulting (general) Service code 16 | — | $842K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $819K |
| LOOMIS SAYLES & CO EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $513K |
| ABERDEEN ASSET MANAGEMENT EIN 51-0368279 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $511K |
| JPM GLOBAL EMERGING MARKET EIN 04-3395941 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $508K |
| SEGAL COMPANY EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Actuarial; Direct payment from the plan; Consulting (general); Insurance agents and brokers Service code 11 | — | $507K |
| DANIEL A. WINTERS & CO EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $470K |
| LORD ABBETT & COMPANY LLC EIN 13-5620131 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $447K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 NONE | Other services Service code 49 | — | $411K |
| MEPT EDGEMORE NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $372K |
| INVESCO IBRA EIN 58-1707262 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $354K |
| PACIFIC INVESTMENT MANAGEMENT CO EIN 33-0629048 NONE | Investment management fees paid directly by plan; Other investment fees and expenses; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $335K |
| MEDICAL REVIEW INST OF AMERICA EIN 87-0515201 NONE | Other services Service code 49 | — | $309K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $299K |
| BROOKFIELD US INC. EIN 22-3335453 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $274K |
| OPTUM HEALTH CARE SOLUTIONS EIN 41-1591944 NONE | Other services Service code 49 | — | $259K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment management fees paid directly by plan; Investment management; Investment advisory (plan); Other services Service code 27 | — | $246K |
| ELAVON MERCHANT SERVICES EIN 58-1916822 NONE | Other services Service code 49 | — | $232K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 NONE | Claims processing Service code 12 | — | $229K |
| AEW CAPITAL MANAGEMENT EIN 04-3329433 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $226K |
| STANDARD REGISTER EIN 41-0852411 NONE | Copying and duplicating Service code 36 | — | $223K |
| EMPLOYEE A EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $218K |
| TIERPOINT LLC EIN 27-2877647 NONE | Other services Service code 49 | — | $210K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 NONE | Claims processing Service code 12 | — | $204K |
| MELLON CAPITAL MANAGEMENT EIN 25-1442864 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $192K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $186K |
| SMART DATA SOLUTIONS INC EIN 41-2006324 NONE | Claims processing Service code 12 | — | $185K |
| EMPLOYEE B EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $184K |
| VERIZON BUSINESS NETWORK SVCS EIN 13-2745892 NONE | Other services Service code 49 | — | $177K |
| CDW DIRECT LLC EIN 36-3310735 NONE | Other services Service code 49 | — | $165K |
| OPTIV SECURITY INC EIN 43-1806449 NONE | Other services Service code 49 | — | $165K |
| ORACLE AMERICA INC EIN 94-2805249 NONE | Other services Service code 49 | — | $146K |
| GENERAL DYNAMICS INFORMATION TECH EIN 54-1194322 NONE | Other services Service code 49 | — | $146K |
| EMPLOYEE C EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $138K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Other commissions; Investment management fees paid directly by plan; Shareholder servicing fees; Custodial (securities); Float revenue; Investment management; Other investment fees and expenses Service code 19 | — | $135K |
| HDMS EIN 23-3009341 NONE | Other services Service code 49 | — | $127K |
| EMPLOYEE D EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $123K |
| PARAMETRIC PORTFOLIO EIN 20-0292745 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $120K |
| EMPLOYEE E EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $118K |
| EMPLOYEE F EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $114K |
| EMPLOYEE G EIN 23-6209769 EMPLOYEE | Employee (plan) Service code 30 | — | $114K |
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 | 26,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 26,745 | $2.2M |
| Short-term disability(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 3,352 | $2.5M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,426 | $893K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,745 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.