| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | 30 WATERSIDE DR STE 300 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TUFTS HEALTH PLAN/CARELINK EIN 04-2674079 NONE | Claims processing; Direct payment from the plan; Other commissions Service code 12 | — | $906K |
| BOSTON TRUST & INVESTMENT COMPANY EIN 04-2273811 NONE | Investment management fees paid directly by plan; Trustee (directed); Trustee (discretionary); Direct payment from the plan; Investment management; Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 19 | — | $208K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $166K |
| SEGAL CONSULTING EIN 13-1928058 NONE | Actuarial; Direct payment from the plan; Insurance brokerage commissions and fees Service code 11 | — | $142K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | — | $115K |
| ANNE FINI EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $111K |
| PATRICIA DOYLE EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| KAREN FINI EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| BARBARA CONNERS EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| CHARLIE WRIGHT EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| VERONICA DYER EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| MICKEY LONG, ESQ. EIN 04-3534086 NONE | Legal; Direct payment from the plan Service code 29 | — | $55K |
| LYN TABAJONDA EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $48K |
| EDNA DOYLE EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| ANNE BLUNDELL EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $45K |
| SEGAL ROITMAN, LLP EIN 13-2646110 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $30K |
| HEATHER ROMERI EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| PATTY POWERS EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $21K |
| MAUREEN DOHERTY EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $20K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $20K |
| MARY WARDROP EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $19K |
| ALICARE MEDICAL MGMT NONE | Direct payment from the plan; Consulting (general) Service code 16 | 333 WESTCHESTER AVE. WHITE PLAINS, NY 10604 | $11K |
| LANGAN & DEMPSEY EIN 04-2125930 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| KRISTINA MAHONEY EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $9K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| KARA EAGLES EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $8K |
| ZELIS CLAIMS INTEGRITY INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $7K |
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 | 1,866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,866 | $35K |
| Life insurance | AETNA | 1,747 | $148K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,862 | $134K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 2,000 | $486K |
| Other | AETNA | 1,747 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,000 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.