| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $15K | — | $15K | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Direct payment from the plan; Participant communication; Named fiduciary; Non-monetary compensation; Other services; Contract Administrator; Claims processing Service code 12 | — | $1.8M |
| VINCENT CINELLI EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $321K |
| TSYS MERCHANT SOLUTIONS EIN 27-1977876 NONE | Other services; Direct payment from the plan Service code 49 | — | $299K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Consulting (general); Insurance brokerage commissions and fees; Actuarial; Direct payment from the plan Service code 11 | — | $294K |
| JOSEPH ROGERS EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $230K |
| AGNES LEYDEN EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $193K |
| CINDY GOLD EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $168K |
| EMILIYA PELTEKOVA EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $165K |
| SEAN BOYLE EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $146K |
| SPIVAK & LIPTON EIN 13-3494495 NONE | Legal; Direct payment from the plan Service code 29 | — | $136K |
| INCOME RESEARCH+ MANAGEMENT EIN 04-2955404 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $136K |
| PROSKAUER ROSE EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $136K |
| SHANE ABDELNOUR EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| RUTHIE SKOCHIL EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $130K |
| FIVE STAR PRINTING & MAILING EIN 13-3694151 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $123K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Other investment fees and expenses; Investment management fees paid directly by plan; Float revenue; Custodial (securities); Direct payment from the plan; Investment management fees paid indirectly by plan Service code 19 | — | $109K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $109K |
| MARTY PICARI EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| LISA ROSARIO EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| WINSTON GRIFFIN EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| HSUEH LING CHEN EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $95K |
| DIEDRE BURTON EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| MORGAN DONINGER EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| CARINA DEL RIO EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| DONALD JEFFERSON EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| SHEILA LEVY-PARRIS EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| PATRICIA GAERLAN-MONTON EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $83K |
| LYNETTE BAJNAUTH EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| TAI PATE EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| PRANDI PITAMBER EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| EILEEN MEZON EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| IRIS AKANDE EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| MARYAM MALIK EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| MARINA IVANOOVSKI EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| YULIYANA HADZHIEV EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| KALA SWAMINATHAN EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| IRINA ALABAYEV EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| KRISTINA LEBID EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| ARTHUR BRADFORD EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $75K |
| COMPREHENSIVE CONSULTING SOLUTIONS EIN 52-2099008 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $68K |
| OPTUM RX EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $66K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $53K |
| GABRIELA HAMMOND EIN 13-6092981 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| ANUSKA SHRESTHA EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| JASMINE AMAKER EIN 13-6092981 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| TERRY SCHMIDT LLC EIN 45-3672353 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $28K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| ROBERT HALF EIN 94-1648752 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 | 4,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 291 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $352K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,974 | $1.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $352K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,835 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,835 | — |
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.