| 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 | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 23-7036156 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $563K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $427K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $81K |
| US BANK EIN 31-0841368 NONE | Other fees; Direct payment from the plan Service code 50 | — | $73K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management; Investment advisory (plan) Service code 27 | — | $66K |
| SPENCER FANE LLP EIN 84-1075194 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $41K |
| OPTUM RX EIN 83-1959511 NONE | Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $17K |
| VSP EIN 06-1227840 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $17K |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,229 | $20K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,230 | $143K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,349 | $828K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 3,230 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,230 | — |
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."
No prospect flags tripped on this filing.