| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE COM EIN 86-0257201 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $812K |
| BENESYS, INC. NONE | Contract Administrator Service code 13 | 13801 RIVERPORT DR. STE. 101 ST. LOUIS, MO 63043 | $732K |
| EXPRESS SCRIPTS HOLDING COMPANY NONE | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $403K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $338K |
| JOHNSON & KROL, LLC NONE | Legal Service code 29 | 300 S. WACKER DR 1313 CHICAGO, IL 60606 | $213K |
| ANDERS MINKLER HUBER HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $169K |
| NATIONAL INVESTMENT SERVICES NONE | Investment management fees paid directly by plan Service code 51 | 200 W MADISON STREET SUITE 2900 CHICAGO, IL 60606 | $73K |
| BAY CITY CAPITAL NONE | Custodial (securities) Service code 19 | 1000 4TH STREET, SUITE 500 SAN RAFAEL, CA 94901 | $44K |
| NUVEEN ASSET MANAGEMENT NONE | Custodial (securities) Service code 19 | 25604 NETWORK PLACE CHICAGO, IL 60673 | $42K |
| ALOHA PRINT & COPY NONE | Copying and duplicating Service code 36 | 141 W JACKSON BLVD, STE A100A CHICAGO, IL 60604 | $26K |
| UMB BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1010 GRAND BOULEVARD KANSAS CITY, MO 64106 | $19K |
| MARQUETTE ASSOCIATES, INC NONE | Investment management Service code 28 | 180 N. LASALLE STREET CHICAGO, IL 60601 | $13K |
| COMMERCE BANK NONE | Custodial (securities) Service code 19 | 6863 CLAYTON RD ST. LOUIS, MO 63117 | $10K |
| FAF ADVISORS NONE | Custodial (securities) Service code 19 | 800 NICOLLET MALL MINNEAPOLIS, MN 55402 | $8K |
| STATE STREET GLOBAL ADVISORS NONE | Custodial (securities) Service code 19 | 10 S WACKER DR 3205 CHICAGO, IL 60606 | $7K |
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 | 1,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 800 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,133 | $2.3M |
| Dental | DELTA DENTAL | 5,113 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,887 | $0 |
| Life insurance(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 2,838 | $1.3M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,178 | $1.1M |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 2,838 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,113 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.