| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | 5.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Participant communication; Other services; Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Direct payment from the plan Service code 12 | — | $631K |
| SEGAL CONSULTING EIN 13-2619159 NONE | Consulting (general); Actuarial Service code 11 | — | $59K |
| THE UNION LABOR LIFE INSURANCE CO EIN 13-1423090 NONE | Investment management Service code 28 | 1625 EYE STREET WASHINGTON, DC 20006 | $54K |
| SHARON HODSON EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | 9217 DAYTON PIKE SODDY DAISY, TN 37379 | $40K |
| RHONDA LOWE EMPLOYEE | Employee (plan) Service code 30 | 9217 DAYTON PIKE SODDY DAISY, TN 37379 | $22K |
| LORI D'SOUZA EMPLOYEE | Employee (plan) Service code 30 | 9217 DAYTON PIKE SODDY DAISY, TN 37379 | $20K |
| NWQ INVESTMENT MANAGEMENT CO. EIN 04-3161785 NONE | Investment advisory (plan) Service code 27 | — | $20K |
| SHEILA BATES EMPLOYEE | Employee (plan) Service code 30 | 9217 DAYTON PIKE SODDY DAISY, TN 37379 | $19K |
| HENDERSON, HUTCHERSON, & MCCULLOUGH EIN 62-1114363 NONE | Accounting (including auditing) Service code 10 | 1200 MARKET STREET CHATTANOOGA, TN 37402 | $19K |
| LYNN AGEE NONE | Legal Service code 29 | 4551 LASCASSAS MURFREESBORO, TN 37130 | $17K |
| MILDRED NETHERY EMPLOYEE | Employee (plan) Service code 30 | 9217 DAYTON PIKE SODDY DAISY, TN 37379 | $16K |
| GR RUSH AND CO EIN 62-1165268 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| TERRIANNA CRAWFORD EMPLOYEE | Employee (plan) Service code 30 | 9217 DAYTON PIKE SODDY DAISY, TN 37379 | $8K |
| HOME FEDERAL BANK EIN 62-1230706 NONE | Other fees; Custodial (securities) Service code 19 | — | $6K |
| SEGAL ROGERSCASEY EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $6K |
| SEGAL SELECT INSURANCE SERVICES INC | Insurance brokerage commissions and fees Service code 53 | — | $2K |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE UNION LABOR LIFE INSURANCE COMPANY | 676 | $107K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 676 | $107K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 676 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.