| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMP | $2K | — | $2K | 2.20% |
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $674 | — | $674 | 4.37% |
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $598 | — | $598 | 4.58% |
| THE SEGAL COMPANY3 | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $390 | — | $390 | 5.61% |
| 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 | $3.7M |
| MULTI-PLAN SERVICES AGENCY, INC. EIN 81-3751949 NONE | Direct payment from the plan Service code 50 | — | $2.4M |
| CHARTWELL INVESTMENT PARTNERS NONE | Investment management Service code 28 | 1205 WESTLAKES DR STE 100 BERWYN, PA 19312 | $515K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general) Service code 16 | — | $467K |
| ANTHEM BLUE CROSS LIFE EIN 95-4331852 NONE | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $415K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $305K |
| INCOME RESEARCH & MANAGEMENT NONE | Investment management Service code 28 | 100 FEDERAL ST 30TH FL BOSTON, MA 02110 | $288K |
| ENGINEERS PUBLISHING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 3920 LENNANE DR SACRAMENTO, CA 95834 | $163K |
| SALTZMAN AND JOHNSON EIN 95-2376174 NONE | Legal Service code 29 | — | $122K |
| MCMORGAN & COMPANY NONE | Investment management Service code 28 | ONE FRONT ST STE 100 SAN FRANCISCO, CA 94111 | $94K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management fees paid indirectly by plan; Custodial (securities) Service code 19 | — | $88K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $82K |
| MAILRITE PRINT & MAIL, INC. NONE | Copying and duplicating Service code 36 | 834 STRIKE AVE STE C SACRAMENTO, CA 95834 | $82K |
| BOYD WATERSON GSA FUND EIN 45-2061717 NONE | Investment advisory (participants) Service code 26 | — | $58K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management Service code 28 | — | $51K |
| DENVER MANAGEMENT ADVISORS NONE | Consulting (general) Service code 16 | 2825 EAST COTTONWOOD PKWY STE 500 SALT LAKE CITY, UT 84121 | $30K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Consulting (general) Service code 16 | — | $19K |
| IRON MOUNTAIN EIN 23-2588479 NONE | Other services Service code 49 | — | $6K |
| BOEHM & ASSOCIATES NONE | Other commissions Service code 55 | 1320 HARBOR BAY PKWY STE 140 ALAMEDA, CA 94502 | $0 |
| INVESTMENT PERFORMANCE SERVICES | Investment management Service code 28 | — | $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 | 15,893 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 15,893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 13,319 | $76.7M |
| Dental(2 contracts) | DELTA DENTAL | 30,015 | $16.0M |
| Vision | VISION SERVICE PLAN | 13,917 | $1.6M |
| Life insurance(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 69,434 | $8.6M |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 2,172 | $88K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 9,115 | $7.9M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 69,434 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69,434 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.