| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE HARTFORD INSURANCE | $7K | — | $7K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REYNOLDS CONSULTING SERVICES, LLC EIN 20-1899564 NONE | Investment advisory (plan) Service code 27 | 25 NEWBRIDGE RD HICKSVILLE, NY 11801 | $8K |
| MARSHALL & MOSS LLP EIN 81-2845805 NONE | Contract Administrator Service code 13 | 1400 OLD COUNTRY RD SUITE 406 WESTBURY, NY 11590 | $5K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $5K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $0 |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD INSURANCE | 410 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.