| 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 | $37K | — | $37K | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $138K |
| JEAN R FAIRCHILD EIN 13-5605495 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $68K |
| COHEN WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $56K |
| TPA CORPORATION EIN 13-3329882 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $48K |
| JOSE D RIVERA EIN 13-5605495 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| THE METROPOLITAN COMPANIES INC NONE | Direct payment from the plan; Other services Service code 49 | 110 EAST 42ND STREET 16TH FLOOR NEW YORK, NY 10017 | $33K |
| THE SEGAL CO (EASTERN STATES) INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $32K |
| DD SERVICES INC EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| DTM CONSULTING, LLC EIN 04-3607413 COMPUTER CONSULTANT | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $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 | 1,026 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 1,077 | $14.5M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,114 | $45K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 1,114 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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.
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.