| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO (EASTERN STATES), INC. | 333 WEST 34TH ST NEW YORK, NY 100012402 | THE UNION LABOR LIFE INSURANCE COMPANY | $30K | — | $30K | 8.14% |
| CONTEMPORARY STRATEGIC SOLUTIONS3 | — | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO (EASTERN STATES), INC. | 333 WEST 34TH ST NEW YORK, NY 100012402 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 2.87% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO (EASTERN STATES), INC. | 333 WEST 34TH STREET NEW YORK, NY 100012402 | HARTFORD LIFE AND ACCIDENT | $580 | — | $580 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMINISTRATIVE SVCS LLC EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $262K |
| BOYLE, SEAN EIN 13-5548780 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $222K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $206K |
| THE SEGAL CO (EASTERN STATES) INC. EIN 13-1835864 NONE | Insurance agents and brokers; Actuarial; Direct payment from the plan Service code 11 | — | $170K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $120K |
| TURKOVIC, BRANCA EIN 13-5548780 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| DELMAR, MICHELLE EIN 13-5548780 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $95K |
| ORTIZ, NANCY EIN 13-5548780 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| FRIEDMAN & ANSPACH EIN 13-3403675 NONE | Legal; Direct payment from the plan Service code 29 | — | $65K |
| GARCIA, LORENA EIN 13-5548780 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| DAVID W. NEW, P.C. EIN 22-2553368 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| MARENGO, DANIELLE EIN 13-5548780 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| BATISTA, JULISSA EIN 13-5548780 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| BARKSDALE INVESTMENT MANAGEMENT EIN 62-1217255 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| RAMCHANDANI, RADHIKA EIN 13-5548780 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| MELAMUD, IRINA NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 2383 EAST 14TH STREET - UNIT 1A BROOKLYN, NY 11229 | $39K |
| MOLINA, JOCELINA EIN 13-5548780 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| PREMIER TECHNOLOGY SOLUTIONS INC. EIN 13-3933805 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $27K |
| MR. MICROCHIP SOFTWARE CENTER INC. EIN 59-3084068 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $24K |
| DELTA DENTAL OF NY INC. EIN 11-1980218 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $19K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $9K |
| GRAYSTONE CONSULTING EIN 26-4310632 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $8K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $8K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan Service code 51 | — | $6K |
| SEGAL SELECT INSURANCE SERVICES INV | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $5K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 374 | $348K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 498 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.