| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $18.2M |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $807K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $729K |
| DELTA DENTAL OF OHIO EIN 31-0685339 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $668K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $492K |
| SPECTRUM PRINTING & DESIGN EIN 31-1023172 NONE | Participant communication; Direct payment from the plan; Copying and duplicating Service code 36 | — | $441K |
| SLEVIN & HART P.C EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $371K |
| WILLIAM EVANS EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $260K |
| KATY GOZALKA EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $237K |
| RICHARD MAINS EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $207K |
| WILLIAM MCMANUS EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $183K |
| VISION SERVICE PLAN EIN 31-0725743 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $176K |
| SIKICH LLP EIN 36-3168081 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $163K |
| VIRTA NONE | Other services; Direct payment from the plan Service code 49 | 501 FOLSOM STREET, 1ST FLOOR SAN FRANCISCO, CA 94105 | $140K |
| ERIC MUELLER EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| EPLAN LLC EIN 22-3720767 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $127K |
| SHARI LEWIS EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $117K |
| AISHIA FULCHER EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| LAN SOLUTIONS, INC. DBA INTRUST EIN 26-0454565 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $99K |
| CARL LOMBARDO EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $95K |
| JODI LONG EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| REBECCA CROW EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| ANITA GARBER EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| ANN RUDD EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| ERIN GEBHARDT EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| ERICA BASSMAN EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| PAULA ROYSE EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| MARY CURTIS EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| CHARLOTTE KYLE EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| MISTY JO KESSLER EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| HEATHER MILLER EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| BRANDY MULLENIX EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| ANGELA STASTNY EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| TRACY SMITH EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| DELAWARE VALLEY HEALTH CARE COALITI NONE | Insurance agents and brokers; Other insurance fees and expenses Service code 22 | 2980 S HAMPTON RD PHILADELPHIA, PA 19154 | $61K |
| KARRIE SHRINER EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $60K |
| GRAHAM WATSON EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| WENDY YOUNG-BURNETT EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| CHRISTINA STAATS EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| KASEY FOREMAN EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| CLEARWATER COMPLIANCE LLC NONE | Consulting (general); Direct payment from the plan Service code 16 | 1212 LAUREL STREET NASHVILLE, TN 37203 | $51K |
| SEAN CHAPMAN EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| GARNISHA HUDSON EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| ANGELA OLINGER EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| BRANDI ADKINS EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| REDCARD SYSTEMS LLC EIN 20-5388701 NONE | Direct payment from the plan; Other services Service code 49 | — | $43K |
| JOYCE WOOSLEY EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| MELISSA STEED EIN 31-6173363 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| MEGHAN COLTON EIN 31-6173363 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
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 | 52,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 360 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 52,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 41,563 | $2.6M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,662 | $963K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 41,563 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,563 | — |
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.
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.