| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL CO (EASTERN STATES) INC | — | AETNA LIFE INSURANCE COMPANY | — | $38K | $38K | 2.60% |
| JOHN SCHMITT3 | 2 MAYFLOWER ROAD BROOKVILLE, NY 11545 | GARDEN STATE LIFE INSURANCE COMPANY | $17K | — | $17K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMINISTRATIVE SVCS, LLC EIN 11-3410766 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $327K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $120K |
| ALLEN MARMOR EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $95K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers; Actuarial Service code 11 | — | $89K |
| ADAM GLASER EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| HIGH LEVEL TECHNOLOGIES, INC. EIN 26-2309928 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $82K |
| FLORENCE HILBRANDT EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| 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 | — | $72K |
| MICHAEL PORCIELLO EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| LOUISE PERUGINI EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| DEBORAH ROMANECK EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| DONNA CIRANNI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| FARCJITT BERNARD EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| LAVELLE LAW & ASSOCIATES, P.C. EIN 81-3811964 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $48K |
| ANA ZAPPASODI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| WENDY HEID EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| ILIANNETTE READ EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| THE SEGAL CO (EASTERN STATES) INC. | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $32K |
| LAZARD ASSET MANAGEMENT, LLC EIN 05-0530199 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $31K |
| LINDA SABA EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $31K |
| LABOR EDU AND COMM SVC AGENCY EIN 23-7442181 NONE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| ADMINISTRATIVE SERVICES ONLY, INC. EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| OFFICIAL OFFSET CORPORATION NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 8600 NEW HORIZONS BLVD AMITYVILLE, NY 11701 | $7K |
| DAHAB ASSOCIATES, INC. EIN 11-2783874 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $6K |
| OPTUMRX, INC | Other fees Service code 99 | — | $0 |
| OPTUMRX, INC. EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $0 |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 288 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 1,336 | $67K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO. | 1,336 | $67K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 513 | $497K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 1,336 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,336 | — |
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.