| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE HARTFORD INSURANCE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERRILL LYNCH EIN 13-3180817 INVESTMENT MANAGER | Investment management Service code 28 | 1000 NORTHERN BLVD GREAT NECK, NY 11022 | $14K |
| MARSHALL & MOSS LLP EIN 11-1234741 TPA- PAYROLL AUDITS | Plan Administrator Service code 14 | 1400 OLD COUNTRY RD SUITE 406 WESTBURY, NY 11590 | $9K |
| DONALD R VALANE CPA PC EIN 11-3496023 AUDITOR | Accounting (including auditing) Service code 10 | 1652 FALMOUTH AVENUE NEW HYDE PARK, NY 11040 | $4K |
| THE SEGAL COMPANY EIN 13-2619159 ACTUARY | Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 11001 | $3K |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 166 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD INSURANCE | 298 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.