| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 101 N WACKER DR, SUITE 500 CHICAGO, IL 60606 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 1.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE 1 EIN 37-6031467 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $203K |
| EMPLOYEE 2 EIN 37-6031467 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $137K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $42K |
| ROMOLO & ASSOCIATES EIN 84-2885766 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| MR. MICROCHIP SOFTWARE CENTER INC EIN 59-3084068 NONE | Direct payment from the plan; Other services Service code 49 | — | $33K |
| CAVANAGH & OHARA, LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $20K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $11K |
| SAV RX EIN 47-0527013 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| COMMERCE BANK EIN 48-0962626 NONE | Sub-transfer agency fees; Custodial (securities); Shareholder servicing fees Service code 19 | — | $3K |
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 | 321 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 314 | $5.5M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 353 | $10K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 325 | $767K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 353 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.