| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL CO. (EASTERN STATES),INC. | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 06-0303370 NONE | Direct payment from the plan; Other fees Service code 50 | — | $1.0M |
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $1.0M |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $131K |
| OPTUMRX EIN 33-0441200 NONE | Other fees; Direct payment from the plan Service code 50 | 2300 MAIN ST IRVINE, CA 92614 | $103K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $101K |
| US BANK EIN 31-0841368 NONE | Other fees; Direct payment from the plan Service code 50 | — | $89K |
| ALAN D BILLER ASSOCIATES, INC. EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $62K |
| VISION SERVICE CARE EIN 36-3560825 NONE | Direct payment from the plan; Other fees Service code 50 | — | $47K |
| MORGAN STANLEY EIN 11-3658445 NONE | Other services; Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $42K |
| RYAN RAPP PACHECO & KELLEY, PLC NONE | Legal; Direct payment from the plan Service code 29 | 3200 N CENTRAL AVE STE 2250 PHOENIX, AZ 85012 | $32K |
| KELLEY LAW GROUP EIN 93-1976904 NONE | Legal; Direct payment from the plan Service code 29 | 3800 N CENTRAL AVE STE 530 PHOENIX, AZ 85012 | $22K |
| SEGAL BENZ NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1230 W WASHINGTON ST STE 501 TEMPE, AZ 85281 | $14K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 97-0515201 NONE | Direct payment from the plan; Other fees Service code 50 | — | $9K |
| PRINCIPAL CUSTODY SOLUTIONS EIN 42-1466678 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $8K |
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 | 2,951 | 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) | 2,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,570 | $301K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,964 | $239K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,570 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,964 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.