| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY0 Filed as: THE SEGAL COMPANY (EASTERN STATES), | 333 WEST 34TH STREET NEW YORK, NY 10001 | UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL DATA SERVICES, INC. EIN 25-1352803 NONE | Contract Administrator Service code 13 | — | $99K |
| SEGAL EIN 13-1835864 NONE | Actuarial Service code 11 | — | $90K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $73K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal Service code 29 | — | $32K |
| BELFINT, LYONS & SHUMAN EIN 51-0232399 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| STACEY BRAUN ASSOCIATES, INC. EIN 13-2889432 NONE | Soft dollars commissions; Investment management Service code 28 | — | $14K |
| YOUNG CONAWAY STARGATT & TAYLOR LLP EIN 51-0082644 NONE | Legal Service code 29 | — | $12K |
| PNC BANK EIN 51-0065390 NONE | Custodial (securities) Service code 19 | — | $6K |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 166 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.