| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY0 Filed as: THE SEGAL COMPANY - CHICAGO | 101 N. WACKER DR. SUITE 500 CHICAGO, IL 60606 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $10K | $10K | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Contract Administrator Service code 12 | — | $2.7M |
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | — | $494K |
| GROUP ADMINISTRATORS, LTD. EIN 36-3381052 NONE | Claims processing Service code 12 | — | $337K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 NONE | Other services Service code 49 | — | $125K |
| SHELLI MCPEEK EIN 36-2265130 ADMINISTRATOR | Employee (plan); Plan Administrator Service code 14 | — | $104K |
| ROBIN DARBY EIN 36-2265130 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| THE SEGAL COMPANY (MIDWEST) INC. EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $53K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $42K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| HOLMSTROM KENNEDY PC EIN 36-3948759 NONE | Legal Service code 29 | — | $28K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Contract Administrator; Claims processing Service code 12 | — | $25K |
| WILLIAMS MCCARTHY, LLP EIN 20-5568874 NONE | Legal Service code 29 | — | $18K |
| SPECTERA, INC. EIN 52-1260282 NONE | Contract Administrator Service code 13 | — | $13K |
| ILLINOIS BANK AND TRUST EIN 36-1060280 NONE | Custodial (securities) Service code 19 | — | $7K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Other services; Securities brokerage; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other commissions; Distribution (12b-1) fees; Securities brokerage commissions and fees; Other fees; Recordkeeping fees Service code 15 | — | $0 |
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 | 955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 370 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,145 | $155K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF IL | 361 | $481K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 974 | $740K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,145 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,145 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.