| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | CAPITAL DISTRICT PHYSICIAN HEALTH PLAN | $71K | — | $71K | 3.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | MOHAWK VALLEY PHYSICIAN HEALTH PLAN | $46K | — | $46K | 3.76% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | DELTA DENTAL OF NY | $22K | — | $22K | 5.00% |
| THE SEGAL COMPANY | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | HEALTHNOW NEW YORK, INC. | — | — | $0 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD | $14K | — | $14K | 6.46% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD | $11K | — | $11K | 10.01% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DR STE 300 FARMINGTON, CT 06032 | THE STANDARD | $14K | — | $14K | 18.43% |
No Schedule C service providers reported on this filing.
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 | 742 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN HEALTH PLAN | 385 | $3.6M |
| Dental | DELTA DENTAL OF NY | 496 | $435K |
| Life insurance | THE STANDARD | 908 | $214K |
| Short-term disability | THE STANDARD | 1,956 | $77K |
| Long-term disability | THE STANDARD | 642 | $106K |
| Stop-loss / reinsurancereinsurance | HEALTHNOW NEW YORK, INC. | 1,530 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,956 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.