| 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 | $77K | — | $77K | 3.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (NY) | — | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 7.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.0M |
| SAVEONSP, LLC EIN 47-3603390 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $582K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Insurance agents and brokers; Actuarial Service code 11 | — | $329K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $185K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $147K |
| SPIVAK LIPTON, LLP EIN 13-3494495 NONE | Legal; Direct payment from the plan Service code 29 | — | $77K |
| DUCENTA SQUARED ASSET MANAGEMENT EIN 85-0584508 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $63K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $57K |
| SEGAL SELECT INSURANCE SERVICES,INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $22K |
| ADEPTUS ADVISORS, LLC EIN 92-1472936 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $17K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 36-4291971 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $16K |
| SYNTONIC SYSTEMS, INC. EIN 13-2925049 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| 9 TO 5 OFFICE SUPPLIES EIN 83-4627624 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| COMPREHENSIVE CONSULTING SOLUTIONS EIN 52-2099008 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $12K |
| PRINCIPAL BUILDING SERVICES NONE | Other services; Direct payment from the plan Service code 49 | 630 9TH AVENUE #1012 NEW YORK, NY 10036 | $11K |
| PWC CONSULTING EIN 92-0385732 NONE | Direct payment from the plan; Investment management Service code 28 | — | $11K |
| PYLON LOGISTICS NONE | Direct payment from the plan; Other services Service code 49 | 475 DOUGHTY BLVD INWOOD, NY 11096 | $10K |
| COMERICA EIN 13-6174166 NONE | Other investment fees and expenses; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $8K |
| PRELUDE CONSULTING, INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 83 CALVERT STREET HARRISON, NY 10528 | $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 | 1,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 928 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,947 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.