| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | MOHAWK VALLEY PHYSICIAN HEALTH PLAN | $126K | — | $126K | 5.68% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | DELTA DENTAL OF NY | $30K | — | $30K | 5.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD | $5K | — | $5K | 2.28% |
| THE SEGAL COMPANY4 | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD | $5K | — | $5K | 4.40% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DR STE 300 FARMINGTON, CT 06032 | THE STANDARD | $10K | — | $10K | 12.00% |
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 | 771 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MOHAWK VALLEY PHYSICIAN HEALTH PLAN | 771 | $2.2M |
| Dental | DELTA DENTAL OF NY | 698 | $608K |
| Life insurance | THE STANDARD | 918 | $239K |
| Short-term disability | THE STANDARD | 1,948 | $86K |
| Long-term disability | THE STANDARD | 670 | $118K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 682 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,948 | — |
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.
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.