| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL CO (EASTERN STATES) INC | P.O. BOX 4125 CHURCH STREET STATION NEW YORK, NY 10261 | EMPIRE BLUE CROSS BLUE SHIELD RETIREE SOLUTIONS | $72K | — | $72K | 8.68% |
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING LAKE HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $41K | — | $41K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMINISTRATIVE SERVICES, EIN 11-3410766 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $303K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $154K |
| ALLEN MARMOR EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $142K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $123K |
| ADAM GLASER EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $103K |
| HIGH LEVEL TECHNOLOGIES, INC. EIN 26-2309928 COMPUTER CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $96K |
| FLORENCE HILBRANDT EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $88K |
| MICHAEL PORCIELLO EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| LOUISE PERUGINI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| DEBORAH ROMANECK EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| FARCJITT BERNARD EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| ILIANNETTE READ EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| LAVELLE LAW & ASSOCIATES, P.C. EIN 81-3811964 NONE | Legal; Direct payment from the plan Service code 29 | — | $48K |
| ANA ZAPPASODI EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| WENDY HEID EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| LINDA SABA EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| LAZARD ASSET MANAGEMENT, LLC EIN 05-0530199 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $37K |
| ADMINISTRATIVE SERVICES ONLY, INC. EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| MAGNACARE ADMINISTRATIVE SVCS, LLC | Other fees Service code 99 | — | $11K |
| DAHAB ASSOCIATES, INC EIN 11-2783874 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $8K |
| OFFICIAL OFFSET CORPORATION NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 8600 NEW HORIZONS BLVD AMITYVILLE, NY 11701 | $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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 248 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 1,049 | $62K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO. | 1,049 | $62K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 448 | $545K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 1,049 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.