| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $34K | $10K | $44K | 6.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $269K |
| REHN & ASSOCIATES EIN 91-1008626 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $218K |
| WITHUM SMITH + BROWN PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $77K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Insurance brokerage commissions and fees; Consulting (general); Direct payment from the plan Service code 11 | — | $74K |
| LABORFIRST NONE | Other services; Direct payment from the plan Service code 49 | 1000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | $64K |
| TURNER STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| WASHINGTON TRUST BANK EIN 91-0462347 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $28K |
| THE PACIFIC HEALTH COALITION EIN 94-3283661 NONE | Other services; Direct payment from the plan Service code 49 | — | $8K |
| GREEN LIGHT MANAGEMENT LLC EIN 45-5248276 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| VERUS ADVISORY EIN 91-1320111 NONE | Direct payment from the plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $7K |
| LAWTON PRINTING INC. EIN 91-0633228 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $6K |
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 | 750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 750 | $900K |
| Dental | DELTA DENTAL OF WASHINGTON | 1,808 | $731K |
| Vision | VISION SERVICE PLAN | 763 | $57K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 750 | $34K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 817 | $679K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 750 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,808 | — |
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.