| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD EIN 39-1038065 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $633K |
| BENEFIT MANAGEMENT GROUP, INC. EIN 20-0188125 NONE | Accounting (including auditing); Direct payment from the plan; Other fees Service code 10 | 1520 KENSINGTON ROAD, SUITE 200 OAK BROOK, IL 60523 | $425K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal; Direct payment from the plan Service code 29 | — | $167K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting fees; Consulting (general) Service code 16 | — | $118K |
| DELTA DENTAL EIN 94-2761537 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $45K |
| EMPLOYEE RESOURCE SYSTEMS, INC. EIN 36-3867645 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $34K |
| SIKICH CPA LLC EIN 54-1172176 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $25K |
| SOMMERS & FAHRENBACH NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 3301 WEST BELMONT AVENUE CHICAGO, IL 60618 | $22K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Securities brokerage commissions and fees; Investment management fees paid directly by plan; Custodial (other than securities); Investment management Service code 18 | 30 N. LASALLE STREET CHICAGO, IL 60602 | $19K |
| COMBINED CRAFTS EIN 39-1400101 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 211 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,032 | $162K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,175 | $230K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,032 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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.