| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $95K | $10K | $105K | 3.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $1.1M |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $122K |
| LIUNA STAFF AND AFFILIATES PENSION EIN 52-0743575 AFFILIATE | Contract Administrator; Direct payment from the plan Service code 13 | 905 - 16TH STREET, NW WASHINGTON, DC 20006 | $106K |
| EMPLOYEE3 EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| JAMES S. RAY EIN 13-4315411 NONE | Direct payment from the plan Service code 50 | — | $85K |
| JPMORGAN INVESTMENT MGMT EIN 13-3200244 NONE | Investment management; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $81K |
| EMPLOYEE4 EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| EXPRESS SCRIPTS NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | 100 PARSONS POND DRIVE FRANKLIN LAKES, NJ 07417 | $77K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $30K |
| EMPLOYEE1 EIN 52-1601994 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $9K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 2,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,935 | $1.2M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,028 | $265K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 2,028 | $265K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,034 | $2.7M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,028 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,935 | — |
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.