| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 W 34TH ST NEW YORK, NY 10001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 | Claims processing; Direct payment from the plan Service code 12 | — | $1.1M |
| SLEVIN & HART, P.C. EIN 52-1708613 | Direct payment from the plan; Legal Service code 29 | — | $271K |
| ANN S. GILCHRIST EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $194K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 | Other services; Direct payment from the plan Service code 49 | — | $180K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 | Legal; Direct payment from the plan Service code 29 | — | $175K |
| JULIE A. WAGNER EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $164K |
| MAXIM PHYSICIAN RESOURCES EIN 51-0580120 | Direct payment from the plan; Other services Service code 49 | — | $156K |
| THE SEGAL CO (EASTERN STATES), INC EIN 13-1835864 | Insurance brokerage commissions and fees; Consulting fees; Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $141K |
| PATRICIA KELLY EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $140K |
| DOUGLAS A. CAMPBELL EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $136K |
| BASYS INC EIN 52-1796473 | Direct payment from the plan; Other services; Other commissions Service code 49 | — | $128K |
| KAREN A. FORTUNE EIN 13-5560515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $120K |
| MATTHEW STRANATHAN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $120K |
| GRETCHEN J. FIELD EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| DAWN M. TRUMPS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| JESSICA L. DEROS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $100K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 | Claims processing; Direct payment from the plan Service code 12 | — | $93K |
| LORRAINE F. SEILER EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| RONALD J FOURTNER EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| KARON BAIN EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| NANCY J. BOPST EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| W MICHAEL MASTRICOLA EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| KATHERINE B. ANDERSON EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| JENNIFER L. STAMM-JONES EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| ELIZABETH R. OKUWA EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| ANNA M. GALARZA EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| PATRICIA L. HARRIS EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $71K |
| CARLY M. MARAFIOTI EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| CARABETH FOSTER EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| MARY JEAN LAFINER EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| HORIZON HEALTH CONSULTING GROUP EIN 52-1650540 | Direct payment from the plan; Consulting fees; Consulting (general); Other services Service code 16 | — | $67K |
| M&T BANK EIN 16-0538020 | Account maintenance fees; Trustee (bank, trust company, or similar financial institution); Float revenue; Custodial (securities); Direct payment from the plan Service code 19 | — | $67K |
| SUSAN A. BRUNE EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| KRISTIE L. BETHKE EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| DINA M. STOFFREGEN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| KESCIA D HAMLETT-ALEXANDER EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| NATALIE SHIROBOKOV EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| ELIZABETH A. STRENNEN EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| MARY L STARITA EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| VIRGINIA F. WISHON EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| MARY K. FRAUENHOFER EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| CHERYL A. KOSTREBA EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| JEANNE R. BUFALINO EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| DEBRA L. BALDWIN EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| TRACEY D. BELLAMY EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| SUSAN W. SASSY EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| KATHLEEN M. WILLIS EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| DANEAL A. OTERO EIN 13-5590515 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| JANICE L. HUGHES EIN 13-5590515 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
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 | 1,720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,605 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 15 | $120K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,685 | $201K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,395 | $813K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,685 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,395 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.