| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL CO (EASTERN STATES) INC | — | AETNA LIFE INSURANCE COMPANY | — | $14K | $14K | 0.81% |
| JOHN SCHMITT3 | 2 MAYFLOWER ROAD BROOKVILLE, NY 11545 | GARDEN STATE LIFE INSURANCE COMPANY | $20K | — | $20K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMINISTRATIVE SVCS, LLC, EIN 11-3410766 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $315K |
| ALLEN MARMOR EIN 11-1627279 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $120K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $114K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Insurance agents and brokers; Direct payment from the plan; Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $94K |
| ADAM GLASER EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| HIGH LEVEL TECHNOLOGIES, INC. EIN 26-2309928 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $87K |
| FLORENCE HILBRANDT EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $75K |
| MICHAEL PORCIELLO EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| LOUISE PERUGINI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| DEBORAH ROMANECK EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| DONNA CIRANNI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| FARCJITT BERNARD EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| LAVELLE LAW & ASSOCIATES, P.C. EIN 81-3811964 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $49K |
| ILIANNETTE READ EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| ANA ZAPPASODI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| LINDA SABA EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| THE SEGAL CO (EASTERN STATES) INC | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $39K |
| WENDY HEID EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $38K |
| OUTREACH DEVELOPMENT CORPORATION EIN 11-2518262 NONE | Other services; Direct payment from the plan Service code 49 | — | $34K |
| LAZARD ASSET MANAGEMENT, LLC EIN 05-0530199 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| ADMINISTRATIVE SERVICES ONLY, INC. EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $20K |
| EDIGAN PRESS, INC. NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 10 BETHPAGE ROAD HICKSVILLE, NY 11801 | $9K |
| DAHAB ASSOCIATES, INC EIN 11-2783874 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $5K |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 290 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 910 | $40K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO. | 910 | $40K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 541 | $502K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 910 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.