| 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 | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS EIN 48-0952857 NONE | Claims processing; Contract Administrator Service code 12 | — | $472K |
| ISSI NONE | Consulting fees Service code 70 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $129K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | — | $126K |
| SPENCER FANE BRITT BROWNE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $102K |
| DANIELLE WILEY PLAN ADMINISTRATOR | Employee (plan); Plan Administrator Service code 14 | — | $72K |
| STACY KUHL EIN 44-0582944 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| STRATEGIC CAPITAL INVESTMENT ADVISO NONE | Investment advisory (plan) Service code 27 | 700 E. BUTTERFIELD ROAD LOMBARD, IL 60148 | $52K |
| PLUMBERS LOCAL 8 PENSION FUND EIN 44-6010180 BENEFIT PLAN | Other services Service code 49 | — | $50K |
| JENNIFER WILLIS EIN 44-0582944 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| MELANIE CLARK EIN 44-0582944 EMPLOYEE | Employee (plan) Service code 30 | — | $41K |
| NATIONAL INVESTMENT SERVICES NONE | Investment management Service code 28 | 777 E WISCONSIN AVE, STE 2350 MILWAUKEE, WI 53202 | $37K |
| NBPC EIN 43-1122456 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| OPTUM RX EIN 33-0441200 NONE | Claims processing Service code 12 | — | $12K |
| PLUMBERS LOCAL UNION 8 LANDLORD | Other services Service code 49 | 5950 MANCHESTER TRAFFICWAY KANSAS CITY, MO 64130 | $12K |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 262 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 752 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.