| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $83K | — | $83K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $1.1M |
| MIKE DAVIS EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $157K |
| SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $155K |
| KATHY BRENNAN EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $91K |
| JPMORGAN INVESTMENT MGMT EIN 13-3200244 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $77K |
| JAMES S. RAY EIN 13-4315411 NONE | Legal; Direct payment from the plan Service code 29 | — | $73K |
| KIMBERLY GUTRICH EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $30K |
| WELLS FARGO NATIONAL ASSOCIATION EIN 94-1347393 NONE | Recordkeeping fees; Other fees Service code 64 | — | $14K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $7K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 2,224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,227 | $1.2M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,227 | $291K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 2,227 | $291K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,227 | $2.4M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,227 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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.