| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POMCO, INC. EIN 15-0581348 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | 2425 JAMES STREET SYRACUSE, NY 13206 | $181K |
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | 1351 WILLIAM HOWARD TAFT RD CINCINNATI, OH 45206 | $118K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 3 SURREY LANE HEMPSTEAD, NY 11550 | $82K |
| SUZANNE AHEARN EIN 13-1777458 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | 41 KNOLLWOOD ROAD ELMSFORD, NY 10523 | $66K |
| THE SEGAL COMPANY EIN 13-1835864 ACTUARY | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $44K |
| MICHAEL SCHWADRON EIN 13-1777458 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 41 KNOLLWOOD ROAD ELMSFORD, NY 10523 | $37K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | 450 WIRELESS BLVD HAUPPAUGE, NY 11788 | $29K |
| STACEY BRAUN ASSOCIATES, INC. EIN 13-2889432 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | 377 BROADWAY NEW YORK, NY 10013 | $21K |
| THE SEGAL COMPANY 13-1835864 | Insurance agents and brokers Service code 22 | — | $8K |
| WELLS FARGO ADVISORS, LLC EIN 34-1542819 INVESTMENT CONSULTANT | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 1133 WESTCHESTER AVENUE SUITE S-331 WHITE PLAINS, NY 10604 | $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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 368 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.