| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE 2 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $177K |
| EMPLOYEE 1 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $164K |
| EMPLOYEE 3 EIN 37-1037101 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| EMPLOYEE 4 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| MIDWEST REGION HEALTH & SAFETY FUND EIN 37-1384481 NONE | Other services; Direct payment from the plan Service code 49 | — | $110K |
| EMPLOYEE 6 EIN 37-1037101 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| EMPLOYEE 7 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| CAVANAGH & OHARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $71K |
| SAVRX EIN 86-1323040 NONE | Direct payment from the plan; Other services Service code 49 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $69K |
| EMPLOYEE 5 EIN 37-1037101 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $51K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| CENTRAL LABORERS PENSION FUND EIN 37-6052379 NONE | Direct payment from the plan; Other services Service code 49 | — | $31K |
| PERSPECTIVES, LTD EIN 36-3444982 NONE | Direct payment from the plan; Other services Service code 49 | — | $22K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $11K |
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 | 996 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,018 | $47K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,005 | $419K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,018 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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.