| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: THE SEGAL COMPANY - ARIZONA | 1501 W. FOUNTAINHEAD PARKWAY SUITE TEMPE, AZ 85282 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ARIZONA EIN 86-0004538 NONE | Consulting (general) Service code 16 | — | $13.9M |
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $7.6M |
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Plan Administrator Service code 14 | — | $4.7M |
| CAMDEN BONDS PLUS FUND LLC EIN 95-4319164 NONE | Soft dollars commissions; Investment management fees paid indirectly by plan Service code 52 | — | $1.7M |
| COTIVITI EIN 56-2059380 NONE | Other fees; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $709K |
| 98POINT6 EIN 47-3490194 NONE | Other fees Service code 99 | — | $557K |
| ALAN BILLER AND ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 27 | — | $548K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $424K |
| MD SASS & ASSOCIATES, INC. EIN 13-2704843 NONE | Investment management Service code 28 | — | $380K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $358K |
| NEUBERGER BERMAN EIN 84-4332954 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $276K |
| LOOMIS, SAYLES & COMPANY EIN 04-3200030 NONE | Investment management fees paid directly by plan Service code 51 | — | $276K |
| RYAN, RAPP & UNDERWOOD EIN 86-0767091 NONE | Legal Service code 29 | — | $253K |
| NUVEEN ASSET MANAGEMENT, LLC EIN 27-4357327 NONE | Investment management fees paid directly by plan Service code 51 | — | $205K |
| CVS HEALTH EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $166K |
| WILLIAM BLAIR INVESTMENT MANAGEMENT EIN 47-2614791 NONE | Investment management Service code 28 | — | $165K |
| WELLINGTON CTF SMID CAP RESEARCH EIN 04-2755549 NONE | Investment management fees paid directly by plan Service code 51 | — | $154K |
| MINES AND ASSOCIATES EIN 84-1028610 NONE | Direct payment from the plan; Other fees Service code 50 | — | $144K |
| ARISTOTLE EIN 95-4833644 NONE | Investment management fees paid directly by plan; Securities brokerage commissions and fees; Soft dollars commissions Service code 51 | — | $141K |
| CLAIMS TECHNOLOGIES, INC. EIN 27-4732361 NONE | Accounting (including auditing) Service code 10 | — | $113K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management Service code 28 | — | $85K |
| HENNINGFIELD & ASSOCIATES EIN 54-2189926 NONE | Accounting (including auditing) Service code 10 | — | $66K |
| AMERICAN HEALTH GROUP EIN 86-0494854 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $60K |
| DOUGLAS RUYGROK NONE | Consulting (general) Service code 16 | 2102 LA CANADA CREST DRIVE C LA CANADA, CA 91011 | $42K |
| SEGALL BRYANT AND HAMILL EIN 35-2679129 NONE | Investment management Service code 28 | — | $24K |
| MEDICAL REVIEW INSTITUTE EIN 87-0515201 NONE | Consulting (general) Service code 16 | — | $19K |
| HEALTH MANAGEMENT SYSTEMS, INC EIN 13-2770433 NONE | Other services Service code 49 | — | $17K |
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 | 52,789 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 52,789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 10,902 | $79.7M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,345 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,902 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.