| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $5K | $5K | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL CONSULTING EIN 13-1975125 NONE | Consulting (general) Service code 16 | — | $193K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Other fees; Claims processing; Contract Administrator Service code 12 | — | $171K |
| ASHER GITTLER & D'ALBA LTD EIN 36-2786883 NONE | Legal Service code 29 | — | $135K |
| S. REEVES EIN 36-6051305 FUND ADMINISTRATOR | Plan Administrator Service code 14 | — | $106K |
| F. CABRALES EIN 36-6051305 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| C. SCHINDLER EIN 36-6051305 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| T. WEYDEMAN EIN 36-6051305 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| M. MARRERO EIN 36-6051305 EMPLOYEE | Employee (plan) Service code 30 | — | $62K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Other services; Consulting (general) Service code 16 | — | $49K |
| AMALGAMATED BANK EIN 36-0721895 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management; Account maintenance fees; Float revenue Service code 19 | — | $47K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $46K |
| R. BAKER EIN 36-6051305 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| HINES & ASSOCIATES NONE | Other services Service code 49 | 115 E. HIGHLAND AVENUE ELGIN, IL 60120 | $31K |
| LASALLE CONSULTING PARTNERS INC EIN 36-4030449 NONE | Consulting (general) Service code 16 | — | $17K |
| DELTA DENTAL EIN 36-2612058 NONE | Claims processing; Contract Administrator Service code 12 | — | $13K |
| VALENZ EIN 81-5149270 NONE | Other services Service code 49 | — | $10K |
| SPECTERA INC EIN 52-1260282 NONE | Contract Administrator Service code 13 | — | $8K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,099 | $28K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 564 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.