| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | HCC LIFE INSURANCE COMPANY | $89K | — | $89K | 3.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (NY) | — | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 16.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $1.1M |
| SAVEONSP, LLC EIN 47-3603390 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $719K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $217K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Insurance agents and brokers; Consulting (general) Service code 11 | — | $199K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $160K |
| SEGAL SELECT INSURANCE SERVICES,INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $108K |
| DUCENTA SQUARED ASSET MANAGEMENT EIN 85-0584508 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $83K |
| SPIVAK LIPTON, LLP EIN 13-3494495 NONE | Legal; Direct payment from the plan Service code 29 | — | $73K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| COMPREHENSIVE CONSULTING SOLUTIONS EIN 52-2099008 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $39K |
| ADEPTUS ADVISORS, LLC EIN 92-1472936 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $35K |
| MEKETA FIDUCIARY MANAGEMENT, LLC EIN 47-2126910 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $19K |
| 9 TO 5 OFFICE SUPPLIES EIN 83-4627624 NONE | Direct payment from the plan; Other services Service code 49 | — | $16K |
| SYNTONIC SYSTEMS, INC. EIN 13-2925049 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| PRINCIPAL BUILDING SERVICES NONE | Other services; Direct payment from the plan Service code 49 | 630 9TH AVENUE #1012 NEW YORK, NY 10036 | $12K |
| PYLON LOGISTICS NONE | Direct payment from the plan; Other services Service code 49 | 55 JOHNSON ROAD LAWRENCE, NY 11559 | $11K |
| PRELUDE CONSULTING, INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 83 CALVERT STREET HARRISON, NY 10528 | $10K |
| COMERICA EIN 13-6174166 NONE | Custodial (securities); Investment management fees paid directly by plan; Other investment fees and expenses Service code 19 | — | $7K |
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 | 2,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 962 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,088 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,088 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.