| 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 | $58K | $10K | $68K | 4.10% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC | 333 W 34TH STREET NEW YORK, NY 10001 | HCC LIFE INSURANCE COMPANY | $35K | $0 | $35K | 4.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | 333 WEST 34TH S NEW YORK, NY 10001 | GERBER LIFE INSURANCE COMPANY | $14K | — | $14K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $1.4M |
| SLEVIN & HART EIN 52-1708613 NONE | Legal; Direct payment from the plan; Non-monetary compensation Service code 29 | — | $616K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general); Direct payment from the plan; Insurance brokerage commissions and fees Service code 11 | — | $373K |
| DELTA DENTAL EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $247K |
| MULTIPLAN EIN 13-3068979 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $239K |
| IOMM&P EIN 13-6020335 SPONSORING UNION | Direct payment from the plan; Plan Administrator Service code 14 | — | $217K |
| PATRICK MCCULLOUGH EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $204K |
| KENNETH RYAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $179K |
| ANN MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $153K |
| PAULA PHILLIPS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $145K |
| GORFINE SCHILLER & GARDYN PA EIN 52-1231901 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $115K |
| DAVID ROMANO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $110K |
| MICHAEL MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $109K |
| JOSEPH GIUSTO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $105K |
| DALE CLARK EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $100K |
| MADELINE PETRELLI EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $91K |
| ALFRED MANZO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $77K |
| DEBRA CAVEY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $76K |
| MARCIA FAWTHROP EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $72K |
| ALICE ANDRZEJEWSKI EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $65K |
| JESSICA CHADWELL EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $58K |
| DENISE ROMANO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $58K |
| ELIZABETH TAYLOR EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $57K |
| MARY JURNEY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $57K |
| AMERICAN HEALTH HOLDINGS LLC EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | — | $55K |
| RUSS BALZARINI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $54K |
| DIANE FITZBERGER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $54K |
| K.P. LAW, P.C. EIN 04-2746356 NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| KATHRYNE MCGEE EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $50K |
| VERA BRENNAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $49K |
| MAYRA ROBLES EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $48K |
| SEAN MEAD EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $48K |
| JEAN ADAMS-MENCIK EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $46K |
| CYNTHIA LAMARTINA EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $45K |
| JENNIFER KELLNER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $45K |
| LISA LINDAUER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $44K |
| ERIC MCCOLLUM EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $44K |
| CHARLENE ROGERS EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $42K |
| CATHERINE GEOGHEGAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $41K |
| ELIZABETH GARY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $38K |
| DAVID MICHELS EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $38K |
| MASHA JURNEY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $36K |
| LIFEWORKS US INC EIN 81-1114266 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| HOWARD ROBERTS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $32K |
| ROFFE ENTERPRISES EIN 52-1650540 NONE | Other services; Direct payment from the plan Service code 49 | — | $32K |
| LISA BANDY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $24K |
| SYDNIE BOSSOM EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $19K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $18K |
| GUADALUPE RUGEL EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $15K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $15K |
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 | 3,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,624 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 3,061 | $135K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 2,948 | $2.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 82 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,061 | — |
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."
No prospect flags tripped on this filing.