| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | AMALGAMATED LIFE INSURANCE COMPANY | — | $26K | $26K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LO. 802 ASSOC. MUSICIANS OF GR. NY EIN 13-0452820 RELATED UNION | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $635K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Claims processing Service code 12 | — | $304K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $122K |
| SAVE ON SP, LLC EIN 47-3603390 NONE | Claims processing Service code 12 | — | $77K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal Service code 29 | — | $41K |
| GOULD KOBRICK & SCHLAPP PC EIN 13-3082707 UNION'S ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $39K |
| INNOVATIVE SOFTWARE SOLUTIONS INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $37K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Other fees Service code 99 | — | $33K |
| THE SEGAL COMPANY 13-1835864 | Actuarial Service code 11 | — | $33K |
| COHEN, WEISS & SIMON, LLP EIN 13-1592323 UNION'S ATTORNEY | Legal Service code 29 | — | $32K |
| SEGAL MARCO ADVISORS EIN 13-2846110 NONE | Investment advisory (plan) Service code 27 | — | $17K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Claims processing; Contract Administrator Service code 12 | — | $16K |
| SPIVAK LIPTON LLP EIN 13-3494495 UNION'S ATTORNEY | Legal Service code 29 | — | $13K |
| KOBGO ASSOCIATES, INC EIN 13-2751089 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| SEGAL SELECT INSURANCE SERVICES 46- | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 1,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,868 | $466K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,850 | $61K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 500 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,868 | — |
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.