| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY5 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 23-7036156 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $510K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $422K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $126K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment advisory (plan); Investment management Service code 27 | — | $82K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Other fees Service code 50 | — | $75K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 NONE | Insurance services; Claims processing; Plan Administrator Service code 12 | — | $55K |
| SPENCER FANE LLP EIN 84-1075194 NONE | Legal; Direct payment from the plan Service code 29 | — | $53K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| VSP EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| OPTUM RX EIN 83-1959511 NONE | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $14K |
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 | 1,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,204 | $20K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,187 | $140K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,011 | $765K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 3,187 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,187 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.