| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES). | — | THE UNION LABOR LIFE INSURANCE COMPANY | $35K | — | $35K | 3.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $5.0M |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $574K |
| JANUS CAPITAL MANAGEMENT,LLC. EIN 75-3019302 NONE | Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $298K |
| GUTSIN, ANNA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $283K |
| WESTERN ASSET MANAGEMENT CO., LLC EIN 20-1200960 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $264K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $258K |
| OPTUMRX, INC EIN 33-0441200 NONE | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $216K |
| MAHADEO, VICKRAM EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $167K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $149K |
| CONA, JOSEPHINE EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| CHIARA, ESTHER EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $124K |
| GIAMMONA, DOMINICK EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $124K |
| GORLICK, KRAVITZ, & LISTHAUS, P.C. EIN 13-3790829 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $92K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 NONE | Direct payment from the plan; Custodial (securities); Distribution (12b-1) fees Service code 19 | — | $88K |
| SINGH, ISHRY EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| CARUANA, CARLO EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| YANKILEVICH, OLGA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| MORALES, DAVID EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| RODRIGUEZ, GUILLERMO EIN 13-5537605 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| CURATOLO, ANTHONY EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| SALCEDO, ALEXANDRA EIN 13-5537605 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| ROMAN, MARILYN EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| PEREZ (MIRANDA), YNDHIRA EIN 13-5537605 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| GALLAGHER FIDUCIARY ADVISORS EIN 36-4291971 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $51K |
| PEREZ, XIOMARA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| INVESTMENT COUNSELORS OF MARYLAND EIN 52-5345054 NONE | Investment management; Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $49K |
| STATE STREET GLOBAL ADVISORS TRUST EIN 81-4017173 NONE | Custodial (securities); Soft dollars commissions; Investment management fees paid directly by plan Service code 19 | — | $49K |
| ROSARIO, MARIA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| MOROZ, DOMINIKA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| GIRALDO-ROBINSON, MONICA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| SANTOS, CARMEN M EIN 13-5537605 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| TRUE TYPE PRINTING COMPANY, INC. EIN 13-5600711 NONE | Other services; Direct payment from the plan Service code 49 | — | $40K |
| LUCAS, MARTHA C. EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| ABUGOV, EWELINA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| HERNANDEZ, HECTOR M. EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| SALAS, TATIANA EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| RODRIGUEZ-PADIN, MARISOL EIN 13-5537605 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $34K |
| ALLIED SYSTEM INTEGRATORS, INC. EIN 11-3622037 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $30K |
| PALACIO, JULIAN G EIN 13-5537605 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| MD BUILDING SERVICES CLEANING COMPANY | Other services; Direct payment from the plan Service code 49 | 315 WEST 39TH STREET NEW YORK, NY 10018 | $24K |
| SEGAL SELECT INSURANCE SVCS. INC. EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $17K |
| BICC SYSTEMS, INC. EIN 36-2852073 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $16K |
| ADP NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | ONE ADP BLVD ROSELAND, NJ 07068 | $15K |
| AMALGAMATED EMPLOYEE BENEFITS ADMIN EIN 13-3432221 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $12K |
| ROBERT M. CHEVERIE & ASSOCIATES, PC EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| TEANECK BUSINESS ASSOCIATES, INC. NONE | Legal; Direct payment from the plan Service code 29 | 267 GRIGGS AVE. TEANECK, NJ 076663304 | $9K |
| DAVIS VISION, INC. EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $9K |
| UNITED PRINT GROUP EIN 13-3034937 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| OPTUMRX INC. | Other fees Service code 99 | — | $0 |
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 | 8,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,992 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 10,400 | $978K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,400 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.