| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY5 | 116 HUNTINGTON AVE 8TH FLOOR BOSTON, MA 02116 | UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 1.41% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 333 WEST 34TH STREET NEW YORK, NY 12402 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | 30 WATERSIDE DR STE 300 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TUFTS HEALTH PLAN/CARELINK EIN 04-2674079 NONE | Claims processing; Other commissions; Direct payment from the plan Service code 12 | — | $1.0M |
| BOSTON TRUST & INVESTMENT COMPANY EIN 04-2273811 NONE | Trustee (discretionary); Investment management; Direct payment from the plan; Trustee (directed); Custodial (securities); Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 19 | — | $253K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $236K |
| MODERN ASSISTANCE EIN 04-3014253 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | — | $145K |
| SEGAL CONSULTING EIN 13-1928058 NONE | Actuarial; Insurance brokerage commissions and fees; Direct payment from the plan Service code 11 | — | $143K |
| ANNE FINI EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $118K |
| EXPRESS SCRIPTS INC NONE | Claims processing; Direct payment from the plan Service code 12 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $103K |
| PATRICIA DOYLE EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| VERONICA DYER EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| KAREN FINI EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| BARBARA CONNERS EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| MICKEY LONG, ESQ. EIN 04-3534086 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| CHARLIE WRIGHT EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| LYN TABAJONDA EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| EDNA DOYLE EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| ANNE BLUNDELL EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| HEATHER ROMERI EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $30K |
| ALICARE MEDICAL MGMT NONE | Direct payment from the plan; Consulting (general) Service code 16 | 333 WESTCHESTER AVE. WHITE PLAINS, NY 10604 | $27K |
| SEGAL ROITMAN, LLP EIN 13-2646110 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| MAUREEN FLAHERTY EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $24K |
| MARY WARDROP EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $22K |
| KARA LALLY EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $19K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| LYA BERMUDEZ EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $18K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 NONE | Direct payment from the plan; Other services Service code 49 | — | $12K |
| HANNAFORD & DUMAS NONE | Direct payment from the plan; Other services Service code 49 | 26 CONN STREET WOBURN, MA 01801 | $11K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $11K |
| LANGAN & DEMPSEY EIN 04-2125930 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| PATTY POWERS EIN 04-2163872 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $7K |
| NICOLE MURPHY EIN 04-2163872 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $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 | 1,923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,946 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,071 | $165K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,921 | $83K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 2,061 | $709K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,071 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,071 | — |
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.