| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | — | BCS INSURANCE COMPANY | $17K | — | $17K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED ADMINISTRATORS, LLC EIN 65-1205077 NONE | Plan Administrator; Direct payment from the plan; Contract Administrator Service code 13 | — | $81K |
| EMPIRE HEALTHCARE ASSURANCE, INC EIN 23-7391136 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $71K |
| THE SEGAL CO (EASTERN STATES), INC EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting (general) Service code 16 | — | $55K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $46K |
| KAUFF MCGUIRE & MARGOLIS, LLP EIN 13-3573855 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $23K |
| SEI INVESTMENT MANAGEMENT CORP EIN 23-1707341 NONE | Investment advisory (plan); Investment management; Custodial (securities); Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 19 | — | $18K |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 117 | $5K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 117 | $63K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 117 | $249K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 117 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.