| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY - EASTERN STATES | 333 WEST 34TH STREET NEW YORK, NY 10001 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $39K | — | $39K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC. EIN 27-7391136 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $3.1M |
| CONGRESS ASSET MANAGEMENT CO EIN 04-2848965 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $350K |
| WILLIAM FARANDA EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $218K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $199K |
| SELE-DENT INC. EIN 11-3310187 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $176K |
| KATHRYN FISLER EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $152K |
| SANDRA CHIN EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| PITTA LLP EIN 26-3852082 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $107K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $98K |
| STACEY BRAUN ASSOCIATES INC. EIN 13-2889432 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $97K |
| ANNETTE HASSELL EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| DATAPRISE INC. EIN 52-1920434 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $90K |
| MPC CAPITAL ADVISORS LLC EIN 27-2136582 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $85K |
| ROSE GOLDMAN EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $62K |
| MARGARITA IONESCU EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| JUDITH LOZANO EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| MILIAGROS RIVERA EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| JP MORGAN CHASE EIN 13-4994650 NONE | Other investment fees and expenses; Direct payment from the plan; Float revenue; Custodial (securities) Service code 19 | — | $35K |
| SILVERCREST ASSET MANAGEMENT EIN 13-4194623 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $34K |
| CHRISTOPHER POLLARD EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $20K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 13-2988846 NONE | Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $8K |
| ROGER MAHER NONE | Legal; Direct payment from the plan Service code 29 | 23 83RD STREET BROOKLYN, NY 11209 | $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 | 5,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 5,398 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,398 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.