| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC | 333 W 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $71K | $0 | $71K | 3.50% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC | 333 W 34TH STREET NEW YORK, NY 10001 | HCC LIFE INSURANCE COMPANY | $36K | $0 | $36K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $1.2M |
| SLEVIN & HART EIN 52-1708613 NONE | Non-monetary compensation; Legal; Direct payment from the plan Service code 29 | — | $349K |
| IOMM&P EIN 13-6020335 SPONSORING UNION | Direct payment from the plan; Plan Administrator Service code 14 | — | $312K |
| DELTA DENTAL EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $227K |
| PATRICK MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $202K |
| MULTIPLAN EIN 13-3068979 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $167K |
| KENNETH RYAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $152K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $142K |
| ANN MARIE MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $142K |
| PAULA PHILLIPS EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $130K |
| STACEY SULLIVAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $100K |
| DALE CLARK EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $98K |
| DAVID ROMANO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $95K |
| MICHAEL MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $91K |
| JOSEPH GIUSTO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $90K |
| MADELINE PETRELLI EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $87K |
| ALFRED MANZO EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $71K |
| MARY RIDGELY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $69K |
| MARCIA FAWTHROP EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $65K |
| DEBRA CAVEY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $61K |
| ALICE ANDRZEJEWSKI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $54K |
| AMERICAN HEALTH HOLDINGS LLC EIN 31-1368946 NONE | Direct payment from the plan; Other services Service code 49 | — | $53K |
| GORFINE SCHILLER & GARDYN PA EIN 52-1231901 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $52K |
| RUSS BALZARINI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $51K |
| MARY JURNEY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $51K |
| ELIZABETH HOLLYWOOD EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $49K |
| DENISE ROMANO EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $48K |
| DIANE FITZBERGER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $48K |
| JESSICA WINDSOR EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $47K |
| AMY FOSSETT EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $45K |
| HOWARD ROBERTS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $43K |
| VERA BRENNAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $43K |
| SEAN MEAD EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $42K |
| MAYRA ROBLES EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $42K |
| JENNIFER KELLNER EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $41K |
| LISA LINDAUER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $41K |
| KATHRYNE MCGEE EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $41K |
| ERIC MCCOLLUM EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $41K |
| CHARLENE ROGERS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $40K |
| CYNTHIA LAMARTINA EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $39K |
| CATHERINE GEOGHEGAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $37K |
| SYDNIE BOSSOM EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $36K |
| JEAN ADAMS-MENCIK EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $35K |
| MASHA JURNEY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $34K |
| JOHN OLIVER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $31K |
| K.P. LAW, P.C. EIN 04-2746356 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| ELIZABETH GARY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $22K |
| CATHY WRIGHT EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $21K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $18K |
| ROFFE ENTERPRISES EIN 52-1650540 NONE | Other services; Direct payment from the plan Service code 49 | — | $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 | 3,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,616 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,661 | $105K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 1,000 | $2.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 88 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,661 | — |
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.