| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY INC | 333 WEST 34TH STREET NEW YORK, NY 10001 | UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH EIN 52-1590516 NONE | Contract Administrator; Claims processing Service code 12 | — | $464K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $444K |
| VIRGIN PULSE EIN 20-2547480 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $97K |
| STACEY BRAUN ASSOCIATES INC EIN 13-2889432 NONE | Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $96K |
| LACHER AND ASSOCIATES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 632 EAST BRAOD STREET SOUDERTON, PA 18964 | $66K |
| DELTA DENTAL OF DELEWARE, INC EIN 51-0228088 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $49K |
| PNC BANK, N.A EIN 25-1211909 NONE | Investment advisory (plan); Recordkeeping fees; Custodial (securities); Distribution (12b-1) fees Service code 19 | — | $35K |
| YOUNG CONAWAY STARGATT & TAYLOR LLP EIN 51-0082644 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Actuarial; Investment management fees paid directly by plan Service code 11 | — | $32K |
| PERSONAL ASSISTANCE SERVICES NONE | Other services; Direct payment from the plan Service code 49 | 9735 LANDMARK PKWY DR, STE. 17 SAINT LOIUS, MO 63127 | $22K |
| SAV-RX EIN 86-1323040 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $19K |
| HOLROYD GELMAN, P.C. EIN 92-2604351 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| DANIEL A. WINTERS EIN 23-2586736 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| J.A MARIANO AGENCY, INC EIN 22-2280590 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $5K |
| RBC WEALTH MGMT EIN 23-2384840 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 238 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 440 | $602K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 777 | $887K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.