| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: THE SEGAL COMPANY - WASHINGTON, DC | 1920 NORTH STREET, NW SUITE 400 WASHINGTON, DC 200361601 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST OF MARYLAND EIN 52-1330940 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $310K |
| BEACON ADMINISTRATORS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 305 COMPTON AVENUE LAUREL, MD 20707 | $174K |
| SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $72K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $61K |
| NATIONAL VISION ADMINISTRATORS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $36K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| CHARTWELL EIN 23-2891243 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| CVS CAREMARK EIN 05-0494040 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $20K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $17K |
| US BANK N.A. EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities); Float revenue; Soft dollars commissions Service code 19 | — | $9K |
| INVESTMENT PERFORMANCE SERVICES EIN 36-3555078 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $8K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | — | $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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 214 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 622 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.