| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO (EASTERN STATES) | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | MOHAWK VALLEY PHYSICIAN HEALTH CARE | $72K | $0 | $72K | 3.69% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | DELTA DENTAL OF NEW YORK | $36K | $0 | $36K | 5.23% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | C/O SEGAL/SIBSON CONSULTING 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 2.05% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | C/O SEGAL/SIBSON CONSULT 30 WATERSIDE DR STE 300 FARMINGTON, CT 06032 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 1.22% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | C/O SEGAL/SIBSON CONSULT 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 4.42% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY - EASTERN STATES | C/O SEGAL/SIBSON CONSULT 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 1.13% |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 273 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MOHAWK VALLEY PHYSICIAN HEALTH CARE | 380 | $2.9M |
| Dental | DELTA DENTAL OF NEW YORK | 1,492 | $693K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 885 | $236K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 681 | $109K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE | 690 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,492 | — |
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.