| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES), | 333 W 34TH STREET NEW YORK, NY 10001 | TRU SERVICES, LLC | $25K | — | $25K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $350K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $216K |
| COLLERAN O'HARA & MILLS LLP EIN 11-2940050 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $171K |
| ALBERT WASSELL EIN 11-6302784 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| THE SEGAL COMPANY, INC. EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $61K |
| ANDREW STEWART EIN 11-6302784 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $56K |
| MAGALI AVILA EIN 11-6302784 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $40K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $18K |
| OPTUMRX, INC EIN 33-0441200 NONE | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $15K |
| M&T BANK EIN 16-0538020 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $11K |
| NEOFUNDS EIN 16-1753763 NONE | Other services; Direct payment from the plan Service code 49 | — | $10K |
| STACEY BRAUN ASSOCIATES, INC EIN 13-2889432 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $6K |
| PAYCHEX, INC. EIN 16-1124166 NONE | Direct payment from the plan; Other services Service code 49 | — | $6K |
| CLEARARC CAPITAL, INC EIN 34-1172683 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $6K |
| REYNOLDS CONSULTING SERVICES EIN 20-1899564 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $6K |
| OPTUMRX, INC. | Other fees Service code 99 | — | $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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 514 | $53K |
| Other | TRU SERVICES, LLC | 507 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.