| 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 | $4K | — | $4K | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE 3 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $170K |
| EMPLOYEE 1 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $157K |
| EMPLOYEE 4 EIN 37-1037101 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| EMPLOYEE 6 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| EMPLOYEE 7 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| EMPLOYEE 2 EIN 37-1037101 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $72K |
| MIDWEST REGION HEALTH & SAFETY FUND EIN 37-1384481 NONE | Direct payment from the plan; Other services Service code 49 | — | $70K |
| SAVRX EIN 86-1323040 NONE | Direct payment from the plan; Other services Service code 49 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $54K |
| CAVANAGH & OHARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $40K |
| EMPLOYEE 5 EIN 37-1037101 EMPLOYEE | Direct payment from the plan Service code 50 | — | $39K |
| CENTRAL LABORERS PENSION FUND EIN 37-6052379 NONE | Direct payment from the plan; Other services Service code 49 | — | $32K |
| ROMOLO & ASSOCIATES, LLC EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| PERSPECTIVES, LTD EIN 36-3444982 NONE | Direct payment from the plan Service code 50 | — | $20K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (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 | 889 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 900 | $36K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 925 | $338K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 900 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.