| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 | — | AETNA LIFE INSURANCE COMPANY | — | $56K | $56K | 7.36% |
| THE SEGAL COMPANY4 | — | THE UNION LABOR LIFE INSURANCE COMPANY | — | $24K | $24K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL CO. (EASTERN STATES) INC. EIN 13-1835864 NONE | Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $226K |
| MAGNACARE ADMINISTRATIVE SVCS, LLC EIN 11-3410766 NONE | Claims processing Service code 12 | — | $224K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal Service code 29 | — | $123K |
| MARMOR, ALLEN EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $118K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing) Service code 10 | — | $111K |
| GLASER, ADAM EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $80K |
| HIGH LEVEL TECHNOLOGIES INC. EIN 26-2309928 COMPUTER CONSULTANT | Consulting (general) Service code 16 | — | $80K |
| HILBRANDT, FLORENCE EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $74K |
| PORCIELLO, MICHAEL EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $68K |
| PERUGINI, LOUISE EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $67K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $61K |
| ROMANECK, DEBORAH EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $59K |
| CIRANNI, DONNA EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $56K |
| BERNARD, FARCJITT EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $49K |
| LAVELLE & MENECHINO LAW OFFICE, LLP EIN 27-1592965 ATTORNEY | Legal Service code 29 | — | $49K |
| KUGLER, ILIANNETTE EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $43K |
| OUTREACH DEVELOPMENT CORPORATION EIN 11-2518262 NONE | Other services Service code 49 | — | $42K |
| ZAPPASODI, ANA EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $39K |
| FEEHAN, PEGGYELLEN EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $38K |
| SABA, LINDA K. EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $37K |
| KUEZEK, DAWN EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $35K |
| HEID, WENDY EIN 11-1627279 NONE | Employee (plan) Service code 30 | — | $35K |
| OPTUMRX EIN 11-2581812 NONE | Claims processing Service code 12 | — | $22K |
| LAZARD ASSET MANAGEMENT, LLC EIN 05-0530199 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $19K |
| ADMINISTRATIVE SERVICES ONLY, INC EIN 11-2995970 NONE | Claims processing Service code 12 | — | $16K |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 322 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 511 | $757K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 1,165 | $65K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO. | 1,165 | $65K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 504 | $471K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 1,165 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.