| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC. | 66 HUDSON BLVD E 20 FL NEW YORK, NY 10001 | UNITED STATES FIRE INSURANCE COMPANY | $66K | — | $66K | 2.50% |
| ASO BROKERAGE SERVICES, INC3 | 303 MERRICK ROAD LYNBROOK, NY 11563 | AMALGAMATED LIFE INSURANCE COMPANY | $16K | — | $16K | 14.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 23-7391136 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $1.2M |
| PCC PENSION FUND EIN 13-3208565 RELATED BENEFIT PLAN | Claims processing; Copying and duplicating; Other services; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $883K |
| ANTHEM BLUE CROSS 23-7391136 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $118K |
| THE SEGAL COMPANY 13-1835864 | Insurance brokerage commissions and fees Service code 53 | — | $71K |
| ADMINISTRATIVE SERVICES ONLY, INC. EIN 11-2995970 NONE | Contract Administrator Service code 13 | — | $62K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $61K |
| HOLM & OHARA, LLP EIN 13-3591118 UNION ATTORNEY | Legal Service code 29 | — | $56K |
| GOULD, KOBRICK, & SCHLAPP, P.C. EIN 13-3082707 UNION AUDITOR | Accounting (including auditing) Service code 10 | — | $44K |
| ROTHBERG, STRAUS & CONTRUBIS LLP EIN 11-2621686 EMPLOYER ASSOC ATTORNEY | Legal Service code 29 | — | $41K |
| METLIFE INVESTMENT MANAGEMENT LLC EIN 88-0612424 NONE | Investment management Service code 28 | — | $22K |
| SYNTONIC SYSTEMS, INC. EIN 13-2925049 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $20K |
| ATALANTA SOSSNOFF CAPITAL EIN 20-0461050 NONE | Investment management Service code 28 | — | $18K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Contract Administrator Service code 13 | — | $13K |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1769473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $13K |
| QUANVEST CONSULTANTS, INC EIN 11-2559669 NONE | Investment advisory (plan) Service code 27 | — | $10K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities) Service code 19 | — | $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 | 1,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,394 | $105K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 1,771 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,394 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.