| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY - EASTERN STATES | — | EMPIRE HEALTHCHOICE ASSURANCE INC | $88K | — | $88K | 2.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $3.5M |
| CONGRESS ASSET MANAGEMENT COMPANY EIN 04-2848965 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $559K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $254K |
| WILLIAM FARANDA EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $247K |
| SELEDENT INC EIN 11-3310187 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $193K |
| SANDRA CHIN EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $189K |
| KATHRYN FISLER EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $165K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial Service code 11 | — | $157K |
| KEITH WINICK EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $137K |
| STACEY BRAUN ASSOCIATES INC EIN 13-2889432 INVESTMENT MANAGER | Investment management; Investment management fees paid directly by plan; Soft dollars commissions; Investment management fees paid indirectly by plan Service code 28 | — | $114K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $112K |
| MPC CAPITAL ADVISORS LLC EIN 27-2136582 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $110K |
| ANNETTE HASSELL EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 NONE | Direct payment from the plan; Consulting fees Service code 50 | — | $82K |
| DATAPRISE INC EIN 52-1920434 NONE | Direct payment from the plan; Consulting fees Service code 50 | — | $81K |
| JUDITH OWENS EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| SILVERCREST ASSET MANAGEMENT GROUP EIN 13-4194623 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions; Investment management fees paid indirectly by plan Service code 28 | — | $76K |
| MARGARITA IONESCU EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| PITTA LLP EIN 26-3852082 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $69K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $68K |
| JUDITH LOZANO EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| MILAGROS RIVERA EIN 13-6674743 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| JP MORGAN CHASE EIN 13-4994650 NONE | Custodial (securities); Float revenue; Other investment fees and expenses; Direct payment from the plan Service code 19 | — | $50K |
| RACHEL MARTINELLI EIN 13-6674743 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| SEGAL SELECT INSURANCE SERVICES INC | Insurance brokerage commissions and fees Service code 53 | — | $9K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $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 | 5,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,239 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,126 | $2.3M |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE INC | 6,353 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,353 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.