| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. (EASTERN STATES), INC | 333 WEST 34TH STREET NEW YORK, NY 100012402 | HCC LIFE INSURANCE COMPANY | $119K | — | $119K | 5.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $948K |
| SAVEONSP, LLC EIN 47-3603390 NONE | Direct payment from the plan; Other services Service code 49 | — | $325K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Insurance agents and brokers; Consulting (general); Insurance brokerage commissions and fees Service code 11 | — | $194K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $142K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $112K |
| SPIVAK LIPTON, LLP EIN 13-3494495 NONE | Legal; Direct payment from the plan Service code 29 | — | $65K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $53K |
| DUCENTA SQUARED ASSET MANAGEMENT EIN 85-0584508 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $21K |
| SEGAL SELECT INSURANCE SERVICES,INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $16K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 36-4291971 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $15K |
| SYNTONIC SYSTEMS, INC. EIN 13-2925049 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| SECURE BUSINESS DATA NONE | Direct payment from the plan; Consulting (general) Service code 16 | 23522 DUKES RUN DR. SPRING, TX 77373 | $12K |
| COMPREHENSIVE CONSULTING SOLUTIONS, EIN 52-2099008 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
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 | 1,821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 847 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,842 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,842 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.