| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES IN | PO BOX 4058 CHURCH STREET STATION NEW YORK, NY 10261 | RELIASTAR LIFE INSURANCE COMPANY | $74K | $0 | $74K | 3.50% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | 333 W 34TH STREET NEW YORK, NY 10001 | UNITED STATES FIRE INSURANCE COMPANY | $27K | $0 | $27K | 3.33% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | 333 W 34TH STREET NEW YORK, NY 10001 | THE NORTH RIVER INSURANCE COMPANY | $11K | $0 | $11K | 3.01% |
| CM RISK MANAGMENT SERVICES3 | 1715 FOX ROAD, SUITE 400-169 INDIANAPOLIS, IN 46236 | THE NORTH RIVER INSURANCE COMPANY | $1K | $0 | $1K | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 06-0303370 NONE | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $1.4M |
| SLEVIN & HART EIN 52-1708613 NONE | Non-monetary compensation; Legal; Direct payment from the plan Service code 29 | — | $464K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $409K |
| DELTA DENTAL EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $251K |
| MULTIPLAN EIN 13-3068979 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $248K |
| IOMM&P EIN 13-6020335 SPONSORING UNION | Direct payment from the plan; Plan Administrator Service code 14 | — | $230K |
| PATRICK MCCULLOUGH EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $224K |
| KENNETH RYAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $192K |
| ANN MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $164K |
| PAULA PHILLIPS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $162K |
| MICHAEL MCCULLOUGH EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $125K |
| JOSEPH GIUSTO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $114K |
| DAVID ROMANO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $113K |
| MADELINE PETRELLI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $97K |
| DALE CLARK EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $86K |
| ALFRED MANZO EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $84K |
| DEBRA CAVEY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $82K |
| K.P. LAW, P.C. EIN 04-2746356 NONE | Legal; Direct payment from the plan Service code 29 | — | $81K |
| MARCIA FAWTHROP EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $78K |
| ALICE ANDRZEJEWSKI EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $69K |
| DENISE ROMANO EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $68K |
| JESSICA CHADWELL EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $66K |
| MARY JURNEY EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $62K |
| DIANE FITZBERGER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $59K |
| RUSS BALZARINI EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $57K |
| KATHRYNE MCGEE EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $54K |
| MAYRA ROBLES EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $54K |
| VERA BRENNAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $54K |
| CYNTHIA LAMARTINA EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $54K |
| SEAN MEAD EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $54K |
| JEAN ADAMS-MENCIK EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $53K |
| GORFINE SCHILLER & GARDYN PA EIN 52-1231901 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $53K |
| AMERICAN HEALTH HOLDINGS LLC EIN 31-1368946 NONE | Direct payment from the plan; Other services Service code 49 | — | $51K |
| SYDNIE BOSSOM EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $51K |
| LISA LINDAUER EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $48K |
| JENNIFER KELLNER EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $47K |
| CHARLENE ROGERS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $46K |
| ERIC MCCOLLUM EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $46K |
| CATHERINE GEOGHEGAN EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $44K |
| ELIZABETH GARY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $43K |
| DAVID MICHELS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $40K |
| TERRENCE SHOWERS EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $39K |
| MASHA JURNEY EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $39K |
| ROFFE ENTERPRISES EIN 52-1650540 NONE | Other services; Direct payment from the plan Service code 49 | — | $38K |
| ELIZABETH TAYLOR (HOLLYWOOD) EIN 13-6696938 EMPLOYEE | Employee (plan sponsor); Direct payment from the plan Service code 35 | — | $24K |
| LAURY JACKSON 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 | — | $20K |
| TELUS HEALTH EIN 52-1883918 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $19K |
| B.I.C.C EIN 36-2852073 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $19K |
| STACEY SULLIVAN EIN 13-6696938 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) 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 | 3,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,560 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 3,171 | $137K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,984 | $3.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 78 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,171 | — |
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.