No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Direct payment from the plan; Other fees; Plan Administrator Service code 14 | — | $147K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Other services; Named fiduciary; Float revenue; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication Service code 12 | — | $126K |
| THE SEGAL COMPANY EIN 46-0619194 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $46K |
| WELLS FARGO ADVISORS EIN 34-1542819 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $40K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| US BANK NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | PO BOX 1800 SAINT PAUL, MN 55101 | $19K |
| ZELIS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $15K |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 423 | $8K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 407 | $334K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 423 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.