| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | EMPIRE HEALTHCHOICE ASSURANCE INC | $22K | $15K | $36K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Contract Administrator; Insurance agents and brokers; Direct payment from the plan; Other commissions; Claims processing; Insurance brokerage commissions and fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $2.0M |
| WALTER SARACENI EIN 11-1538293 EMPLOYEE | Employee (plan); Recordkeeping fees Service code 30 | — | $255K |
| CVS CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $235K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $229K |
| WENDY SALVATIERRA EIN 11-1538293 EMPLOYEE | Employee (plan); Recordkeeping fees Service code 30 | — | $188K |
| GLORIA MATERON EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $175K |
| VIRGINIA & AMBINDER, LLP EIN 13-4166736 NONE | Legal; Direct payment from the plan Service code 29 | — | $153K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Other services; Investment management; Investment management fees paid directly by plan Service code 28 | — | $142K |
| THE SEGAL GROUP EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $139K |
| O'DONOGHUE & O'DONOGHUE LLP EIN 51-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $126K |
| UNITED BEHAVIORAL HEALTH EIN 94-2649097 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $124K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $95K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $94K |
| PREMIER TECHNOLOGY SOLUTIONS, INC. EIN 13-3933805 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $90K |
| LINDA SCARPA EIN 11-1538293 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| MARIA FROGIERO EIN 11-1538293 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $67K |
| ANAPA TRISTA GEORGE-CUMMINGS EIN 11-1538293 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| MALKIA MCLUNE EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| ROSA BERTOLINI EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| ERICKA SIMPSON EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| LAURIE KILLIEBREW EIN 11-1538293 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| DIANA PETRACCIONE EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| KAUFF MCGUIRE & MARGOLIS LLP EIN 13-3573855 NONE | Legal; Direct payment from the plan Service code 29 | — | $62K |
| BETSEY PADGETT EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| VISION SCREENING EIN 06-1434201 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $59K |
| ROBERTO MARTINEZ EIN 11-1538293 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| SAMANTHA TABALA EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| STATE STREET GLOBAL ADVISORS TRUST EIN 81-4017137 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management; Custodial (other than securities) Service code 18 | — | $54K |
| LIVONGO HEALTH, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | — | $53K |
| KATHLEEN SCARPA EIN 11-1538293 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| PAYCHEX, INC. EIN 16-1124166 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $50K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 20-0461050 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $49K |
| MINDY FEIERMAN EIN 11-1538293 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| TRIBORO PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 2502 STEINWAY ST, STE B ASTORIA, NY 11103 | $36K |
| COMPREHENSIVE PROFESSIONAL SYSTEMS EIN 13-3025997 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $33K |
| ADMINISTRATIVE SERVICES ONLY EIN 11-2995970 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $29K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $20K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $6K |
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 | 2,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 778 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 3,488 | $642K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE INC | 3,007 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,488 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.