| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY LUCCO3 | 120 EXECUTIVE DR HIGHLAND, IL 622491269 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 14.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 12 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $333 | — | $333 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL LABORERS PENSION FUND EIN 37-6052379 RELATED PARTY | Plan Administrator; Direct payment from the plan Service code 14 | — | $1.4M |
| SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $138K |
| LABORERS HEALTH & SAFETY EIN 52-1569286 NONE | Direct payment from the plan; Other fees Service code 50 | — | $90K |
| BEACON TECHNOLOGIES GROUP INC EIN 35-2060827 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $75K |
| MCDONNELL INVESTMENT MANAGEMENT, LL EIN 46-1057753 NONE | Investment management fees paid directly by plan; Other fees; Securities brokerage; Investment management Service code 28 | — | $63K |
| HEALTHLINK EIN 43-1616135 NONE | Direct payment from the plan; Other fees Service code 50 | — | $44K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $34K |
| ROMOLO & ASSOCIATES EIN 37-1077733 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| EPLAN EIN 20-3720767 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| CAVANAGH & O'HARA LLP EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| ZUMBAHLEN & ASSOCIATES EIN 37-1094064 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $5K |
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 | 1,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,406 | $10.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,929 | $38K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,100 | $525K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,929 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,100 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.