| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY0 | 333 WEST 34TH STREET NEW YORK, NY 10001 | UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON MCSHANE EIN 41-0956552 NONE | Contract Administrator; Copying and duplicating; Plan Administrator Service code 13 | — | $321K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Float revenue Service code 12 | — | $237K |
| SEGAL EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $90K |
| KELLEY LAW GROUP EIN 93-1976904 NONE | Legal Service code 29 | — | $56K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $48K |
| ULRICH CONSULTING GROUP, LLC EIN 45-3972125 NONE | Investment advisory (plan) Service code 27 | — | $18K |
| M&T BANK EIN 16-0538020 NONE | Custodial (securities); Float revenue Service code 19 | — | $10K |
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 | 1,112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 1,118 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,118 | — |
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.