| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARATHON HEALTH, LLC HEALTHCARE PROVIDER | Other services Service code 49 | 25700 SCIENCE PARK DR BEACHWOOD, OH 44122 | $812K |
| ANTHEM BLUE CROSS & BLUE SHIELD CLAIMS PROCESSING | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | 1468 W 9TH ST STE 2032 CLEVELAND, OH 44113 | $646K |
| LOCAL 310 FRINGE BENEFIT FUNDS, INC EIN 34-1217340 FUND ADMINISTRATOR | Contract Administrator Service code 13 | — | $155K |
| THE SEGAL COMPANY ACTUARY | Actuarial Service code 11 | 1111 SUPERIOR AVENUE CLEVELAND, OH 44114 | $127K |
| EXPRESS SCRIPTS INC. CLAIMS PROCESSING | Claims processing Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $71K |
| 7575 NORTHCLIFF LLC MEDICAL CENTER RENT | Other fees Service code 99 | 7575 NORTHCLIFF AVE BROOKLYN, OH 44144 | $70K |
| DELTA DENTAL OF OHIO CLAIMS PROCESSING | Claims processing Service code 12 | 600 SUPERIOR AVE CLEVELAND, OH 44114 | $58K |
| CENTER FOR FAMILIES AND CHILDREN ADMINISTRATIVE SERVICES | Other services Service code 49 | 4500 EUCLID AVENUE CLEVELAND, OH 44103 | $36K |
| SEGAL MARCO ADVISORS, INC. INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | 1111 SUPERIOR AVENUE CLEVELAND, OH 44114 | $26K |
| YURCHYK & DAVIS CPA'S, INC. EIN 34-1638235 AUDITOR | Accounting (including auditing) Service code 10 | — | $24K |
| TUCKER ARENSBERG ATTORNEYS ATTORNEY | Legal Service code 29 | ONE PPG PLACE, STE 1500 PITTSBURGH, PA 15222 | $21K |
| SAV-RX CLAIMS PROCESSING | Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $17K |
| BOYD WATTERSON ASSET MANAGEMENT INVESTMENT MANAGER | Investment management Service code 28 | 1301 E 9TH ST, STE 2900 CLEVELAND, OH 44114 | $11K |
| PCORI NONE | Other fees Service code 99 | 1333 NEW HAMPSHIRE AVE WASHINGTON, DC 20036 | $9K |
| NATIONAL VISION ADMINISTRATORS, LLC CLAIMS PROCESSING | Claims processing Service code 12 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $9K |
| BRIDGEWAY BENEFIT TECHNOLOGIES ADMINISTRATIVE SOFTWARE | Other fees Service code 99 | 3700 KOPPERS ST, STE 400 BALTIMORE, MD 21227 | $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 | 1,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 475 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 436 | $199K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,174 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,174 | — |
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.