| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: SEGAL COMPANY | 333 W 34TH STREET NEW YORK, NY 10001 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $7K | $7K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.1M |
| METROPOLITAN MANAGEMENT SERVICES EIN 45-3845437 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $766K |
| CIGNA EIN 06-1059331 NONE | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator; Other services; Float revenue Service code 12 | — | $179K |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $129K |
| MICHAEL SPILLANE EIN 13-2873303 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| HEALTHPLEX EIN 11-2714365 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $72K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $68K |
| WHITESTAR ADVISORS LLC EIN 03-0496641 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $68K |
| MARSHALL & MOSS, LLP EIN 11-3360166 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $52K |
| BARNES,IACCARINO & SHEPHERD, LLC EIN 43-1995226 NONE | Legal; Direct payment from the plan Service code 29 | — | $48K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $43K |
| MAGNACARE EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $41K |
| SEGAL ADVISORS INC EIN 13-2646110 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $29K |
| DARREN TURTON EIN 13-2873303 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| DONNA OWENS EIN 13-2873303 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | — | $23K |
| MARTIN ROSS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 72 STRATFORD COURT FARMINGDALE, NY 11735 | $12K |
| DDS, INC. EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| CVS CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $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 | 1,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 367 | $118K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,990 | $922K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 1,990 | $922K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE | 1,792 | $1.1M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,984 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,990 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.