| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 5057 KELLER SPRINGS ROAD, SUITE 110 ADDISON, TX 75001 | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCES, INC EIN 76-0560949 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $75K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal Service code 29 | — | $49K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing) Service code 10 | — | $33K |
| SEGAL EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $30K |
| SEI PRIVATE TRUST COMPANY EIN 23-3060382 NONE | Custodial (securities); Employee (plan sponsor) Service code 19 | — | $26K |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 329 | $18K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 220 | $455K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 329 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.