| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 100012402 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $63K | — | $63K | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FAIRCHILD, JEAN R EIN 13-5605495 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $196K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $102K |
| RIVERA, JOSE D EIN 13-5605495 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| THE SEGAL CO (EASTERN STATES), INC. EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $58K |
| JIMENEZ, CRISTINA EIN 13-5605495 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| COHEN, WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $46K |
| TPA COMPUTER CORPORATION EIN 13-3329882 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $39K |
| D.D. SERVICES INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $36K |
| ROSARIO, BENJAMIN EIN 13-5605495 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| DTM CONSULTING LLC EIN 04-3607413 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $11K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Other services; Direct payment from the plan Service code 49 | — | $5K |
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 | 962 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 967 | $12.2M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 963 | $42K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 963 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.