| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 1920 NORTH STREET, NW SUITE 400 WASHINGTON, DC 20036 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWRENCE C. MUSGROVE ASSOC. INC. EIN 20-1935452 NONE | Contract Administrator Service code 13 | — | $112K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Insurance services; Actuarial; Consulting (general) Service code 11 | — | $73K |
| ANTHEM EIN 54-0357120 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $65K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Other services Service code 49 | — | $42K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Custodial (securities); Accounting (including auditing); Securities brokerage; Other commissions; Investment advisory (plan); Other services Service code 10 | — | $29K |
| ANDERSON & REED, LLP EIN 54-0617257 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| ABATO, RUBENSTEIN AND ABATO,PA EIN 52-0904713 NONE | Legal Service code 29 | — | $8K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Other services Service code 49 | — | $4K |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 188 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.