| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $721K |
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $237K |
| MONDRESS MONACO PARR LOCKWOOD PLLC EIN 91-1917286 NONE | Legal; Direct payment from the plan Service code 29 | — | $73K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $63K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $62K |
| WELLS FARGO ADVISORS EIN 34-1542819 NONE | Custodial (securities); Investment advisory (plan) Service code 19 | — | $43K |
| US BANK EIN 31-0841368 NONE | Other fees Service code 99 | — | $23K |
| SMART SOURCE LLC EIN 30-0830429 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $14K |
| DELAWARE CAPITAL MANAGEMENT EIN 23-3061021 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $12K |
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 | 1,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,276 | $45K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,190 | $274K |
| Other(2 contracts, 2 carriers) | BLOMQUIST HALE | 1,276 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,276 | — |
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."
No prospect flags tripped on this filing.