| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH EIN 25-1139840 NONE | Contract Administrator Service code 13 | — | $1.2M |
| INDEPENDENCE BLUE CROSS EIN 23-0370270 NONE | Claims processing Service code 12 | — | $691K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $93K |
| ASB CAPITAL EIN 56-6142514 NONE | Investment management fees paid directly by plan Service code 51 | — | $72K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $41K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan Service code 51 | — | $39K |
| LEVEL CARE HEALTH CONSORTIUM EIN 83-2819398 NONE | Claims processing Service code 12 | — | $39K |
| CHARTWELL EIN 23-2891243 NONE | Investment management fees paid directly by plan Service code 51 | — | $35K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| CIGNA HEALTHCARE NONE | Claims processing Service code 12 | PO BOX 188037 CHATTANOOGA, TN 37422 | $30K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $28K |
| ODONOGHUE & ODONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $28K |
| IPS EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $15K |
| CHEVY CHASE TRUST EIN 52-2037618 NONE | Custodial (securities) Service code 19 | — | $11K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Sub-transfer agency fees Service code 19 | — | $5K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $3K |
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 | 2,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,314 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,443 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,443 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.