| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL GROUP | 333 WEST 34TH STREET NEW YORK, NY 100012402 | GARDEN STATE LIFE INSURANCE COMPANY | $24K | — | $24K | 5.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY | 333 WEST 34TH STREET NEW YORK, NY 10001 | AMALGAMATED LIFE INSURANCE COMPANY | — | $1K | $1K | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $146K |
| THE SEGAL COMPANY (EASTERN STATES EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $135K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $118K |
| UNITED HEALTHCARE INSURANCE COMPANY NONE | Claims processing; Direct payment from the plan Service code 12 | — | $97K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $83K |
| KAUFF MCGUIRE & MARGOLIS LLP EIN 13-3573855 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| OPTUMRX INC. EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $1K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 801 | $58K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 313 | $75K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 290 | $486K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 313 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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."
No prospect flags tripped on this filing.