| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY5 Filed as: THE SEGAL COMPANY EASTERN STATES | 333 WEST 34TH STREET NEW YORK, NY 10001 | UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 0.88% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | 116 HUNTINGTON AVE BOSTON, MA 02116 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.08% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | 116 HUNTINGTON AVE BOSTON, MA 02116 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TUFTS HEALTH PLAN/CARELINK EIN 04-2674079 NONE | Claims processing; Direct payment from the plan; Other commissions Service code 12 | — | $1.1M |
| US BANK NONE | Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Custodial (securities) Service code 19 | 7TH WASHINGTON ST. LOUIS, MO 63101 | $259K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | — | $175K |
| SEGAL CONSULTING EIN 13-1928058 NONE | Actuarial; Direct payment from the plan; Insurance brokerage commissions and fees Service code 11 | — | $156K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796478 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $141K |
| ANNE FINI EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $138K |
| EXPRESS SCRIPTS INC NONE | Direct payment from the plan; Claims processing Service code 12 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $93K |
| BARBARA CONNERS EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| KAREN FINI EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $79K |
| CHARLIE WRIGHT EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| WILLIAM HURLEY EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| LYN TABAJONDA EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| RYAN CORRY EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| MICKEY LONG, ESQ. EIN 04-3534086 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| HEATHER ROMERI EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Other services; Direct payment from the plan Service code 49 | — | $42K |
| VANESSA BERMUDEZ EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $32K |
| CHANGE HEALTHCARE NONE | Claims processing; Direct payment from the plan Service code 12 | 424 CHURCH STREET SUITE 1400 NASHVILLE, TN 37219 | $30K |
| NBM, INC. NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 24 TERRY AVENUE BURLINGTON, MA 01803 | $29K |
| SEGAL ROITMAN, LLP EIN 13-2646110 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| ZELIS CLAIMS INTEGRITY INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $25K |
| ANNE BLUNDELL EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $25K |
| MAUREEN FLAHERTY EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $24K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $23K |
| KARA LALLY EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $22K |
| ANN O'MEARA EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $17K |
| ANNALISE MANNING EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $15K |
| BOYD'S PRINTING NONE | Direct payment from the plan; Other services Service code 49 | 17 A GILL STREET 6 WOBURN, MA 01801 | $13K |
| ANA CORREIA EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $13K |
| NICOLE MURPHY EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $13K |
| ALLISON BARBER EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $12K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| LANGAN & DEMPSEY EIN 04-2125930 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| PRINTING UNLIMITED NONE | Other services; Direct payment from the plan Service code 49 | 63 PLYMOUTH STREET HOLBROOK, MA 02343 | $6K |
| JAIME JAROBE EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $5K |
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 | 1,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,146 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,788 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,788 | $77K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 1,867 | $1.1M |
| Other | STANDARD INSURANCE COMPANY | 1,788 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,146 | — |
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."
No prospect flags tripped on this filing.