| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | 333 W. 34TH STREET NEW YORK, NY 10001 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $24K | — | $24K | 3.10% |
| 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 | $11K | — | $11K | 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 | 2.30% |
| 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 | $836K | — | $836K | 997.80% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.57% |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 67 | $822K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 1,267 | $84K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 893 | $202K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $17K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 783 | $212K |
| Prescription drug | GEISINGER HEALTH PLAN | 67 | $822K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 653 | $762K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,267 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.