| 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 CO | $15K | — | $15K | 1.65% |
| THE SEGAL COMPANY3 | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $682 | — | $682 | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1600 HARBOR BAY PKWY STE 200 ALAMEDA, CA 94502 | $3.9M |
| ANTHEM BLUE CROSS LIFE EIN 95-4331852 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.1M |
| MULTI-PLAN SERVICES AGENCY, INC. EIN 81-3751949 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $2.0M |
| CHARTWELL INVESTMENT PARTNERS NONE | Investment management Service code 28 | 1205 WESTLAKES DR STE 100 BERWYN, PA 19312 | $635K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $413K |
| INCOME RESEARCH & MANAGEMENT NONE | Direct payment from the plan; Investment management Service code 28 | 100 FEDERAL ST 30TH FL BOSTON, MA 02110 | $281K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $251K |
| ASSISTANCE RECOVERY PROGRAM EIN 94-3042622 NONE | Direct payment from the plan Service code 50 | — | $218K |
| SALTZMAN AND JOHNSON EIN 95-2376174 NONE | Legal; Direct payment from the plan Service code 29 | — | $123K |
| MCMORGAN & COMPANY NONE | Investment management Service code 28 | ONE FRONT ST STE 100 SAN FRANCISCO, CA 94111 | $114K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $112K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $65K |
| ENGINEERS PUBLISHING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 3920 LENNANE DR SACRAMENTO, CA 95834 | $52K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $38K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Insurance brokerage commissions and fees; Custodial (securities) Service code 19 | — | $29K |
| MAILRITE PRINT & MAIL, INC. NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 834 STRIKE AVE STE C SACRAMENTO, CA 95834 | $16K |
| DENVER MANAGEMENT ADVISORS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2825 E COTTONWOOD PKWY STE 500 SALT LAKE CITY, UT 84121 | $15K |
| 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 agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $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 | 16,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 13,066 | $78.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 30,202 | $15.7M |
| Vision | VISION SERVICE PLAN | 14,348 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 33,267 | $419K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 2,025 | $89K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,424 | $9.4M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 33,267 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,267 | — |
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.