| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P. O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $48K | $48K | 5.28% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P O BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 4.96% |
| THE SEGAL COMPANY3 | 116 HUNTINGTON AVE BOSTON, MA 02116 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 11.24% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 4.99% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P. O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $440 | $0 | $440 | 13.01% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P. O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $151 | $151 | 4.46% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P. O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $468 | $0 | $468 | 14.04% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P. O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45 | $45 | 1.35% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P. O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $347 | $0 | $347 | 14.08% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | CHURCH STREET STATION P.O. BOX 4125 NEW YORK, NY 102614125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28 | $28 | 1.14% |
No Schedule C service providers reported on this filing.
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $914K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $122K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $914K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 120 | $95K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 120 | $95K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 120 | $95K |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 120 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.