| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY0 | 1230 W. WASHINGTON ST. STE 501 TEMPE, AZ 85281 | UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 13 | — | $310K |
| WILSON MCSHANE EIN 41-0956552 NONE | Plan Administrator Service code 14 | — | $281K |
| SEGAL EIN 94-1503999 NONE | Actuarial Service code 11 | — | $117K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $40K |
| RYAN, RAPP, & UNDERWOOD EIN 86-0767091 NONE | Legal Service code 29 | — | $28K |
| 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 | — | $8K |
| LAW OFFICES OF ROBERT BOHRER EIN 46-3183400 NONE | Legal Service code 29 | — | $6K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal Service code 29 | — | $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 | 981 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 1,011 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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.