| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $42K | — | $42K | 5.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMIN SERICES, LLC EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $403K |
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 NONE | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $340K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $175K |
| DOAR RIECK DEVITA KALEY & MACK EIN 13-4120430 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $87K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796475 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $69K |
| DATA SURGE SOLUTIONS OF NY, INC EIN 83-0594917 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $60K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $58K |
| MOGILA LAW GROUP EIN 87-2593727 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| ADMINISTRATIVE SERVICES ONLY, INC EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| CUNNINGHAM & CUNNINGHAM, LLP EIN 06-1506457 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| HIGHLAND CAPITAL MANAGEMENT EIN 27-5440911 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $17K |
| NETSURIT CONSULTANTS, INC EIN 86-3078651 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $16K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Float revenue; Direct payment from the plan; Custodial (securities) Service code 19 | — | $11K |
| SMART DATA SOLUTIONS EIN 41-2006324 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
| QUAN-VEST CONSULTANTS, INC EIN 11-2559669 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $7K |
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 | 896 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 920 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.