| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 W 34 STREET, 2ND FLOOR NEW YORK, NY 10001 | AETNA HEALTH, INC. | $39K | $4K | $44K | 3.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY, INC. EIN 13-4835864 SERVICE PROVIDER | Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $31K |
| BARNES,IACCARINO,VIRGINIA EIN 13-4212610 SERVICE PROVIDER | Legal Service code 29 | — | $26K |
| L.H. ROSOFF & CO., LLP EIN 13-1239833 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | — | $11K |
| DMI BOOKKEEPING & ACCOUNTING EIN 20-2400574 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | — | $8K |
| MONTAG & CALDWELL EIN 26-3165863 SERVICE PROVIDER | Investment advisory (plan); Soft dollars commissions Service code 27 | — | $6K |
| STACEY BRAUN EIN 13-2889432 SERVICE PROVIDER | Investment advisory (plan); Soft dollars commissions Service code 27 | — | $5K |
| REINHART PARTNERS EIN 39-1711628 SERVICE PROVIDER | Soft dollars commissions; Investment advisory (plan) Service code 27 | — | $5K |
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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 430 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. (G1921) | 1,781 | $13.2M |
| Vision | AETNA LIFE INSURANCE CO. | 168 | $2K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 975 | $272K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 609 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,781 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.