| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: THE SEGAL CO. CLEVELAND | 1111 SUPERIOR AVE, SUITE 2340 CLEVELAND, OH 44115 | UNION LABOR LIFE INSURANCE COMPANY | — | $10K | $10K | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 36-0648820 CLAIMS PROCESSING | Claims processing Service code 12 | — | $492K |
| LOCAL 310 FRINGE BENEFIT FUNDS, INC EIN 34-1217340 FUND ADMINISTRATOR | Contract Administrator Service code 13 | — | $132K |
| 7575 NORTHCLIFF LLC MEDICAL CENTER RENT | Other fees Service code 99 | 6058 QUINN ABBEY CT E DUBLIN, OH 43017 | $70K |
| EXPRESS SCRIPTS INC. EIN 45-2884094 CLAIMS PROCESSING | Claims processing Service code 12 | — | $66K |
| THE SEGAL COMPANY EIN 13-1975125 ACTUARY | Actuarial Service code 11 | — | $60K |
| DELTA DENTAL OF OHIO EIN 31-0685339 CLAIMS PROCESSING | Claims processing Service code 12 | — | $53K |
| SEGAL MARCO ADVISORS, INC. EIN 13-2646110 INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | — | $26K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 36-3027981 INVESTMENT ADVISOR | Investment management Service code 28 | — | $21K |
| SAV-RX CLAIMS PROCESSING | Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $15K |
| POFOK CRAMPTON LLC ATTORNEY | Legal Service code 29 | 1468 W. NINTH STREET CLEVELAND, OH 44113 | $12K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 AUDITOR | Accounting (including auditing) Service code 10 | — | $11K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 CLAIMS PROCESSING | Claims processing Service code 12 | — | $8K |
| CENTER FOR FAMILIES AND CHILDREN EIN 23-7084455 ADMINISTRATIVE SERVICES | Other services Service code 49 | — | $8K |
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 | 1,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 458 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 401 | $71K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 1,207 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.