| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC | 333 WEST 34TH STREET NEW YORK, NY 10001 | EVEREST REINSURANCE COMPANY | $12K | — | $12K | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTH CHOICE ASSURANCE, INC EIN 23-7391136 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | 165 BROADWAY NEW YORK, NY 10006 | $259K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 450 WIRELESS BLVD HAUPPAUGE, NY 11788 | $179K |
| CLARITY TESTING SERVICES EIN 13-3869722 CLAIMS PROCESSOR | Claims processing; Direct payment from the plan Service code 12 | 150 WHITE PLAINS ROAD SUITE 204 TARRYTOWN, NY 10591 | $150K |
| THE SEGAL COMPANY, INC. EIN 13-1835864 ACTUARIAL | Direct payment from the plan; Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $149K |
| TRIVELLA & FORTE LLP EIN 13-4070172 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 1311 MAMARONECK AVENUE WHITE PLAINS, NY 10605 | $110K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 3 SURREY LANE HEMPSTEAD, NY 11550 | $109K |
| GLOBAL PHARMACEUTICAL BENEFITS, LLC EIN 27-3340151 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | 116 CONGRESS STREET NEWARK, NJ 07105 | $108K |
| ANDREW MACKLE EIN 13-6123972 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | 160 SOUTH CENTRAL AVENUE ELMSFORD, NY 10523 | $75K |
| TPA COMPUTER CORP. EIN 13-3329882 COMPUTER CONSULTANT | Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | 531 ROUTE 52 SUITE 4 CARMEL, NY 10512 | $48K |
| JEFFREY ALTHOLZ, MD EIN 20-0106098 MEDICAL CONSULTING | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | 150 WHITE PLAINS ROAD SUITE 204 TARRYTOWN, NY 10591 | $48K |
| WESTCHESTER MEDICAL CARE PLLC EIN 20-0106098 MEDICAL CONSULTANT | Consulting fees; Consulting (general) Service code 16 | 150 WHITE PLAINS ROAD SUITE 201 TARRYTOWN, NY 10591 | $42K |
| ARMANDO HERRERA EIN 13-6123972 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 160 SOUTH CENTRAL AVENUE ELMSFORD, NY 10523 | $37K |
| JANINE FEOLA EIN 13-6123972 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 160 SOUTH CENTRAL AVENUE ELMSFORD, NY 10523 | $37K |
| MARIE KEPPLE EIN 13-6123972 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 160 SOUTH CENTRAL AVENUE ELMSFORD, NY 10523 | $37K |
| RAYMOND OPTICIANS EIN 13-2844730 OPTICAL CONSULTING | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | 3630 HILL BLVD SUITE 203 JEFFERSON VALLEY, NY 10535 | $36K |
| ADRIENNE JORGE EIN 13-6123972 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 160 SOUTH CENTRAL AVENUE ELMSFORD, NY 10523 | $27K |
| JAMES SEDA EIN 13-6123972 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 160 SOUTH CEDNTRAL AVENUE ELMSFORD, NY 10523 | $27K |
| THEODOR H. BROWN DDS EIN 13-3043628 DENTAL CONSULTING | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | 358 NORTH BROADWAY SLEEPY HOLLOW, NY 10591 | $26K |
| CATHY MOTKO EIN 13-6123972 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 160 SOUTH CENTRAL AVENUE ELMSFORD, NY 10523 | $26K |
| MAGNACARE ADMINISTRATIVE SVCS, LLC. EIN 12-3410766 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | 1600 STEWART AVENUE 7TH FLOOR WESTBURY, NY 11590 | $21K |
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 191 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 815 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.