Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
HMO | HMO | |
HealthPPO | HealthPPO | |
Broker: The Segal Company (Eastern States) Stop-loss | Stop-loss | |
Dental | Dental | |
Dental | Dental |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 404 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,057 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM MEDICARE PREFERRED (PPO) | 336 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 243 | $109K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,992 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,140 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The Union Labor Life Insurance Company | |
Carrier: The Union Labor Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HS&BA EIN 94-3089465 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $523K |
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 95-4331852 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $487K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $231K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $219K |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $175K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $105K |
| TRUCKER HUSS EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | — | $103K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $101K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $93K |
| BULLIVANT HOUSER BAILEY PC EIN 93-1129534 NONE | Legal; Direct payment from the plan Service code 29 | — | $61K |
| MCMORGAN & COMPANY LLC EIN 52-2334338 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management Service code 28 | — | $60K |
| MORGAN STANLEY EIN 36-3145972 NONE | Direct payment from the plan; Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $54K |
| QUEST DIAGNOSTICS EIN 38-2084239 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $48K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $35K |
| FREMONT BANK EIN 94-1569025 NONE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| GARCIA HAMILTON & ASSOCIATES EIN 76-0589652 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $22K |
| THE LONDON COMPANY EIN 90-0824693 NONE | Soft dollars commissions; Direct payment from the plan; Investment management Service code 28 | — | $13K |
| OPTUM RX INC. EIN 33-0441200 NONE | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $10K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan; Investment management fees paid indirectly by plan Service code 19 | — | $6K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 NONE | Direct payment from the plan; Investment management Service code 28 | — | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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10 filings · 2016 to 2025