| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 W 34TH ST, FL 2 NEW YORK, NY 10001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST BLUECROSS BLUESHIELD EIN 52-1385894 | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| SLEVIN & HART, P.C. EIN 52-1708613 | Direct payment from the plan; Legal Service code 29 | — | $292K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 | Legal; Direct payment from the plan Service code 29 | — | $231K |
| GILCHRIST, ANN S. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| WAGNER, JULIE A. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $153K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 | Direct payment from the plan; Other services Service code 49 | — | $146K |
| CAMPBELL, DOUGLAS A. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| KELLY, PATRICIA EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $123K |
| FORTUNE, KAREN A. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $112K |
| FIELD, GRETCHEN J. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $111K |
| STRANATHAN, MATTHEW EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| BASYS INC EIN 52-1796473 | Direct payment from the plan; Other commissions; Other services Service code 49 | — | $93K |
| TRUMPS, DAWN M. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| GEISE, PAMELA A. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 | Claims processing; Direct payment from the plan Service code 12 | — | $93K |
| DEROS, JESSICA L. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| BIRMINGHAM, MARY J. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| GILLOGY, NORMA L. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $83K |
| FOURTNER, RONALD J. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| BAIN, KARON EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| SEILER, LORRAINE F. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $77K |
| BOPST, NANCY J. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| MASTRICOLA, W. MICHAEL EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| OKUWA, ELIZABETH R. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| OPTUMRX, INC. EIN 33-0441200 | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $66K |
| MARAFIOTI, CARLY M. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| STOFFREGEN, DINA M. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| BETHKE, KRISTIE L. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| TORNABENE, JANET E. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| STAMM-JONES, JENNIFER L. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| GALARZA, ANNA M. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| FRAUENHOFER, MARY K. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| BUFALINO, JEANNE R. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| LAFINER, MARY JEAN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| M&T BANK EIN 16-0538020 | Float revenue; Account maintenance fees; Custodial (securities); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $59K |
| SHIROBOKOV, NATALIE EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| COOPER, ELIZABETH A. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| STARITA, MARY L. EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| BROWN, JUDY L. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| KOSTREBA, CHERYL A. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| THE SEGAL CO (EASTERN STATES), INC EIN 13-1835864 | Consulting (general); Direct payment from the plan; Actuarial; Consulting fees; Insurance brokerage commissions and fees Service code 11 | — | $53K |
| HARRIS, PATRICIA L. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| BALDWIN, DEBRA L. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| HADEN, ALLISON M. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| WILLIS, KATHLEEN M. EIN 15-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| WISHON, VIRGINIA F. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| BROCKI, SUSAN A. EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| WELLINGTON TRUST EIN 04-2755549 | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| KANSCHAT, N. JEAN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
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 | 1,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,710 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 20 | $209K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,715 | $201K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7 | $32K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,662 | $692K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,715 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,662 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.