| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 1501 W FOUNTAINHEAD PKWY STE 370 TEMPE, AZ 85282 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $723K |
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $225K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $49K |
| MONDRESS MONACO PARR LOCKWOOD PLLC EIN 91-1917286 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| WELLS FARGO ADVISORS EIN 34-1542819 NONE | Custodial (securities); Investment advisory (plan) Service code 19 | — | $41K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| DELAWARE CAPITAL MANAGEMENT EIN 23-3061021 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $26K |
| US BANK EIN 31-0841368 NONE | Other fees Service code 99 | — | $23K |
| SMART SOURCE LLC EIN 94-3211239 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $22K |
| SEGAL SELECT INSURANCE SVCS, INC. EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,258 | $42K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,220 | $339K |
| Other(2 contracts, 2 carriers) | BLOMQUIST HALE | 1,275 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
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.