| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.38% |
| DOUGLAS A WOHLMAN INC.3 Filed as: DOUGLAS A WOLMAN INC | 809 ALOHA STREET EDMONDS, WA 98020 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| 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 | Actuarial; Direct payment from the plan 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 | Claims processing; Direct payment from the plan 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 | Direct payment from the plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $60K |
| MORGAN STANLEY EIN 36-3145972 NONE | Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $54K |
| QUEST DIAGNOSTICS EIN 38-2084239 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $48K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $35K |
| FREMONT BANK EIN 94-1569025 NONE | Direct payment from the plan; Other services Service code 49 | — | $25K |
| GARCIA HAMILTON & ASSOCIATES EIN 76-0589652 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $22K |
| THE LONDON COMPANY EIN 90-0824693 NONE | Investment management; Direct payment from the plan; Soft dollars commissions Service code 28 | — | $13K |
| OPTUM RX INC. EIN 33-0441200 NONE | Direct payment from the plan; Float revenue; Claims processing; Other fees 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 | Direct payment from the plan; Investment management fees paid indirectly by plan; Custodial (securities) Service code 19 | — | $6K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 NONE | Direct payment from the plan; Investment management Service code 28 | — | $6K |
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 | 2,653 | 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/separated + beneficiaries. No dependents. |
| 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 rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.