| 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 | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 23-7036156 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $589K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Claims processing; Non-monetary compensation; Named fiduciary; Float revenue; Participant communication; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $404K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $115K |
| US BANK EIN 31-0841368 NONE | Other fees; Direct payment from the plan Service code 50 | — | $90K |
| SPENCER FANE LLP EIN 84-1075194 NONE | Legal; Direct payment from the plan Service code 29 | — | $71K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment advisory (plan); Investment management Service code 27 | — | $60K |
| NEEDLES, OYEWO & ASSOCIATES LLC. EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $44K |
| VSP EIN 06-1227840 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $19K |
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 | 1,287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,406 | $21K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,264 | $144K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,458 | $1.1M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 3,264 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,264 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.