Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HealthPPO | HealthPPO | |
Broker: The Segal Company Stop-loss | Stop-loss | |
Other | Other | |
LifeOther | LifeOther | |
Vision | Vision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 434 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,142 | $7.2M |
| Vision | VISION SERVICE PLAN | 440 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 427 | $5K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 440 | $586K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 436 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,142 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The Union Labor Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD NONE | Contract Administrator; Claims processing; Direct payment from the plan; Other fees Service code 12 | 920 NORTH MARTINGALE, SUTIE 290 SCHAUMBURG, IL 60173 | $92K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan); Investment management Service code 27 | — | $64K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| THE SEGAL COMPANY (MIDWEST) INC. EIN 13-1975125 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $47K |
| CAVANAGH & O'HARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| SAVRX EIN 47-0527013 NONE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
| CHARLES SCHWAB & CO EIN 94-1737782 NONE | Shareholder servicing fees; Investment management fees paid directly by plan; Securities brokerage commissions and fees Service code 51 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
10 filings · 2016 to 2025