| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 24TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $5K | — | $5K | 2.83% |
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.13% |
| THE SEGAL COMPANY3 | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMP | $2K | — | $2K | 2.22% |
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $636 | — | $636 | 4.46% |
| THE SEGAL COMPANY3 | 333 WEST 24TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $389 | — | $389 | 2.73% |
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $594 | — | $594 | 4.59% |
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $471 | — | $471 | 5.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1600 HARBOR BAY PKWY STE 200 ALAMEDA, CA 94502 | $3.6M |
| MPSA, INC. EIN 81-3751949 NONE | Direct payment from the plan Service code 50 | — | $1.9M |
| CHARTWELL INVESTMENT PARTNERS NONE | Investment management Service code 28 | 1205 WESTLAKES DR STE 100 BERWYN, PA 19312 | $467K |
| ANTHEM BLUE CROSS LIFE EIN 95-4331852 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $300K |
| MCMORGAN & COMPANY NONE | Investment advisory (participants) Service code 26 | ONE FRONT ST STE 100 SAN FRANCISCO, CA 94111 | $288K |
| INCOME RESEARCH & MANAGEMENT NONE | Investment advisory (participants) Service code 26 | 100 FEDERAL ST 30TH FL BOSTON, MA 02110 | $270K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $250K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $247K |
| SALTZMAN AND JOHNSON EIN 95-2376174 NONE | Legal Service code 29 | — | $153K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $106K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid indirectly by plan; Direct payment from the plan Service code 19 | — | $76K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management Service code 28 | — | $63K |
| ENGINEERS PUBLISHING NONE | Direct payment from the plan Service code 50 | 3920 LENNANE DR SACRAMENTO, CA 95834 | $54K |
| MAILRITE PRINT & MAIL, INC. NONE | Direct payment from the plan Service code 50 | 834 STRIKE AVE STE C SACRAMENTO, CA 95834 | $43K |
| BOEHM & ASSOCIATES NONE | Other commissions Service code 55 | 1320 HARBOR BAY PKWY STE 140 ALAMEDA, CA 94502 | $0 |
| STEPHEN HORN INSURANCE SVCS EIN 94-3249244 NONE | Insurance services Service code 23 | — | $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 | 16,191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 12,466 | $65.2M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 31,462 | $16.0M |
| Vision | VISION SERVICE PLAN | 14,393 | $2.0M |
| Life insurance(9 contracts, 4 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 47,483 | $535K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 1,971 | $85K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,957 | $1.2M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 47,483 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,483 | — |
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.