| 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 | $69K | — | $69K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $1.4M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1579726 NONE | Contract Administrator Service code 13 | — | $170K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $145K |
| JAMES S. RAY EIN 13-4315411 NONE | Legal Service code 29 | — | $144K |
| MIKE DAVIS EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $135K |
| KATHY BRENNAN EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| JPMORGAN INVESTMENT MGMT EIN 31-1192865 NONE | Investment advisory (plan); Investment management Service code 27 | — | $72K |
| MARIZA OTERO EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $48K |
| AMALGAMATED TRUST COMPANY EIN 36-6228122 NONE | Investment advisory (plan) Service code 27 | — | $31K |
| NICOLE BERARDI EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $26K |
| KIMBERLY GUTRICH EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| WELLS FARGO NATIONAL ASSOCIATION EIN 94-1347393 NONE | Account maintenance fees; Other fees Service code 65 | — | $7K |
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 | 2,436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,432 | $1.4M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,435 | $2.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,447 | $164K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,435 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,447 | — |
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."
No prospect flags tripped on this filing.