| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 W 34TH STREET NEW YORK, NY 100012417 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 3.50% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES, INC. | 333 W 34TH STREET NEW YORK, NY 100012417 | MEDICAL EXCESS | $54K | $28K | $82K | 8.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $1.1M |
| STEPTOE & JOHNSON EIN 52-1349790 NONE | Non-monetary compensation; Legal; Direct payment from the plan Service code 29 | — | $358K |
| IOMM&P EIN 13-6020335 SPONSORING UNION | Plan Administrator; Direct payment from the plan Service code 14 | — | $247K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $233K |
| DELTA DENTAL EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $214K |
| PATRICK MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $194K |
| SLEVIN & HART EIN 52-1708613 NONE | Non-monetary compensation; Legal; Direct payment from the plan Service code 29 | — | $143K |
| KENNETH RYAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $143K |
| MULTIPLAN EIN 13-3068979 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $139K |
| ANN MARIE MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $134K |
| PAULA PHILLIPS EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $121K |
| DALE CLARK EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $94K |
| STACEY SULLIVAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $93K |
| DAVID ROMANO EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $90K |
| INVESCO ADVISERS INC EIN 58-1709953 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $88K |
| MADELINE PETRELLI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $85K |
| JOSEPH GIUSTO EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $85K |
| MICHAEL MCCULLOUGH EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $72K |
| MARY RIDGELY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $63K |
| MARCIA FAWTHROP EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $62K |
| DEBRA CAVEY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $58K |
| ALICE ANDRZEJEWSKI EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $51K |
| MARY JURNEY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $48K |
| GORFINE SCHILLER & GARDYN PA EIN 52-1231901 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| RUSS BALZARINI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $47K |
| JESSICA WINDSOR EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $46K |
| DIANE FITZBERGER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $45K |
| ELIZABETH HOLLYWOOD EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $44K |
| DENISE BRINKMAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $44K |
| CATHY WRIGHT EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $43K |
| HOWARD ROBERTS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $41K |
| VERA BRENNAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $39K |
| SEAN MEAD EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $39K |
| JENNIFER KELLNER EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $38K |
| KATHRYNE MCGEE EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $38K |
| LISA LINDAUER EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $37K |
| CHARLENE ROGERS EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $37K |
| AMY FOSSETT EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $37K |
| ROFFE ENTERPRISES EIN 52-1650540 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $35K |
| CATHERINE GEOGHEGAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $32K |
| MASHA JURNEY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $32K |
| JOHN OLIVER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $29K |
| FAIR HEALTH EIN 90-0524293 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $28K |
| SYDNIE BOSSOM EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $25K |
| JEAN ADAMS-MENCIK EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $23K |
| DORIS MILLER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $21K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $20K |
| KATHLEEN BROWN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $20K |
| LIFEWORKS US INC EIN 81-1114266 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $18K |
| LYNN CONWAY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $17K |
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 | 3,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,715 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 876 | $2.5M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 99 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.