| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $743K |
| BENESYS ADMINISTRATORS EIN 38-2383171 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $247K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Other services Service code 12 | — | $207K |
| MONDRESS MONACO PARR LOCKWOOD PLLC EIN 91-1917286 NONE | Legal; Direct payment from the plan Service code 29 | — | $100K |
| WELLS FARGO ADVISORS EIN 34-1542819 NONE | Custodial (securities); Investment advisory (plan) Service code 19 | — | $65K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| DELAWARE CAPITAL MANAGEMENT EIN 23-3061021 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $32K |
| US BANK EIN 31-0841368 NONE | Other fees Service code 99 | — | $25K |
| SMART SOURCE LLC EIN 94-3211239 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $16K |
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 | 1,231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,292 | 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 | 1,203 | $297K |
| Other(2 contracts, 2 carriers) | BLOMQUIST HALE | 1,290 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,290 | — |
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.