| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTER STATES INC. | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $25K | — | $25K | 2.53% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET 3RD FLOOR NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET 3RD FLOOR NEW YROK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.92% |
| SIBSON CONSULTING3 | 333 WEST 34TH STREET 3RD FLOOR NEW YORK, NY 10001 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $12K | — | $12K | 8.48% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
No Schedule C service providers reported on this filing.
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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 101 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 2,172 | $137K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,317 | $170K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $11K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $277K |
| Prescription drug | GEISINGER HEALTH PLAN | 101 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,050 | $998K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,172 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.