| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY(EASTERN) | 333 WEST 34TH STREET NEW YORK, NY 100012402 | DELTA DENTAL OF NEW YORK, INC. | $18K | — | $18K | 2.29% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY EASTERN STATES INC. | 1920 N STREET NW WASHINGTON, DC 20036 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.42% |
| HIRAM COHEN AND SON, INC.3 | 486 WILLIS AVENUE WILLISTON PARK, NY 115960000 | FEDERAL INSURANCE COMPANY | $450 | — | $450 | 14.99% |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK, INC. | 827 | $774K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 866 | $569K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 866 | $569K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 866 | $569K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,057 | $572K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,057 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.