| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL CO (EASTERN STATES), INC | 333 W 34TH ST NEW YORK, NY 10001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 | Direct payment from the plan; Claims processing Service code 12 | — | $1.3M |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $245K |
| J. PATRICIA KELLY EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $196K |
| JULIE A. WAGNER EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $183K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 | Other services; Direct payment from the plan Service code 49 | — | $169K |
| SLEVIN & HART, P.C. EIN 52-1708613 | Direct payment from the plan; Legal Service code 29 | — | $160K |
| JEFFREY MAYGERS EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $153K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 | Legal; Direct payment from the plan Service code 29 | — | $152K |
| M&T BANK EIN 16-0538020 | Direct payment from the plan; Account maintenance fees; Float revenue; Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 19 | — | $139K |
| THOMAS IACOBUCCI EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $139K |
| KAREN A. FORTUNE EIN 13-5560515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| MATTHEW STRANATHAN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $130K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 | Direct payment from the plan; Other services Service code 49 | — | $127K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 | Claims processing; Direct payment from the plan Service code 12 | — | $124K |
| COMPUTER SERVICES UNLIMITED, INC. EIN 51-0665250 | Other services; Direct payment from the plan Service code 49 | — | $118K |
| AMERGIS HEALTHCARE STAFFING, INC. EIN 83-2976157 | Other services; Direct payment from the plan Service code 49 | — | $115K |
| DAWN M. TRUMPS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| JESSICA L. DEROS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $111K |
| KARON BAIN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| RONALD J. FOURTNER EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| PATRICIA L. HARRIS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| KRISTIE L. BETHKE EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| KATHERINE B. ANDERSON EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| W MICHAEL MASTRICOLA EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| ANNA M. GALARZA EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| MELISSA L. BURCA EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| WEAVER AND TIDWELL, L.L.P. EIN 75-0786316 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $75K |
| ELIZABETH OKUWA EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| JENNIFER L. STAMM-JONES EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| VIRGINIA F. WISHON EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| NATALIE SHIROBOKOV EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| GRETCHEN J. FIELD EIN 13-5590515 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| LORI M. WILLIS EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $67K |
| MARY K. FRAUENHOFER EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| OPTUM RX INC. EIN 33-0441200 | Direct payment from the plan; Claims processing Service code 12 | — | $63K |
| TRACEY D. BELLAMY EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| DENISE A. MONTERO DE JESUS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| M'TEP K. BLOUNT EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| SUSAN W. SASSY EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| SHEBA R. FOX EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| NEW ENGLAND PENSION CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 255 STATE STREET BOSTON, MA 02109 | $55K |
| CHEKESHA BAILEY EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| ANN WHITEFORD EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| JANICE L. HUGHES EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| MARY JEAN LAFINER EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| PATRICIA D. WARD EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| KYLE N, MCELROY EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| CREATIVE FINANCIAL STAFFING | Other services; Direct payment from the plan Service code 49 | 53 STATE ST, SUITE 1301 BOSTON, MA 02109 | $49K |
| NANCY J. BOPST EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| DAWN WILSON EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
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 | 1,874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,287 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9 | $112K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,872 | $218K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,239 | $807K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,872 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,239 | — |
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.