| 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 | $55K | $55K | 5.08% |
| THE SEGAL COMPANY3 | 116 HUNTINGTON AVE BOSTON, MA 02116 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 10.70% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 7.00% |
| 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 Filed as: THE SEGAL COMPANY INC. | 116 HUNTINGTON AVE BOSTON, MA 02116 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $49 | $0 | $49 | 1.64% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $19 | $19 | 0.64% |
| 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 | $461 | $0 | $461 | 17.44% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC. | 116 HUNTINGTON AVE BOSTON, MA 02116 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $143 | $0 | $143 | 10.00% |
| INDIGO INSURANCE SERVICES4 | 101 HUNTINGTON AVE SUITE 1300 BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $100 | $100 | 6.99% |
| 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 | $109 | $0 | $109 | 15.77% |
| 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 | $91 | $0 | $91 | 16.25% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 101 | $120K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 127 | $124K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 127 | $124K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 127 | $124K |
| Other(6 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 127 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.