| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (NY) | 333 W 34TH ST FLOOR 2 NEW YORK, NY 10001 | AETNA HEALTH INC | $8K | — | $8K | 2.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GCC-IBT LOCAL 1L EIN 13-4920470 ALLOCATED PR & EXPENSES | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 113 UNIVERSITY PLACE NEW YORK, NY 10003 | $84K |
| ROGOFF & CO EIN 13-2688836 AUDITOR | Accounting (including auditing) Service code 10 | 355 LEXINGTON AVE NEW YORK, NY 10017 | $30K |
| KAUFF, MCGUIRE & MARGOLIS EIN 13-3573855 LEGAL | Legal Service code 29 | 950 THIRD AVE NEW YORK, NY 10022 | $15K |
| KENNEDY, JENNIK AND MURRAY EIN 25-1919594 LEGAL | Legal Service code 29 | 113 UNIVERSITY PLACE NEW YORK, NY 10003 | $6K |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 231 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE CO | 9 | $55K |
| Dental(3 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 113 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.