| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 | 1920 NORTH STREET, NW SUITE 400 WASHINGTON, DC 20036 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWRENCE C. MUSGROVE ASSOC, INC. EIN 20-1935452 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $155K |
| ANTHEM EIN 31-1440175 CLAIMS PROCESSING | Claims processing Service code 12 | — | $133K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 OTHER SERVICES | Other services Service code 49 | — | $48K |
| THE SEGAL COMPANY EIN 13-1835864 ACTUARY | Consulting (general); Actuarial Service code 11 | — | $45K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 INVESTMENT MANAGEMENT | Investment management Service code 28 | — | $27K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 ATTORNEY | Legal Service code 29 | — | $15K |
| C.S. MCKEE EIN 25-1900687 INVESTMENT MANAGEMENT | Investment management Service code 28 | — | $14K |
| ANDERSON & REED, LLP EIN 54-0617257 AUDITOR | Accounting (including auditing) Service code 10 | — | $14K |
| STANDARD VALUATIONS, INC. EIN 41-1327339 ADVISORY | Investment advisory (plan) Service code 27 | — | $10K |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 332 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.