| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | HCC LIFE INSURANCE COMPANY | $10K | — | $10K | 7.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC. | 30 WATERSIDE DR, SUITE 300 FARMINGTON, CT 060323069 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $604 | — | $604 | 5.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLITMAN AND KING, LLP EIN 16-1047304 NONE | Legal Service code 29 | — | $91K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $84K |
| SUZANNE RANELLI EIN 16-0776208 EMPLOYEE | Employee (plan) Service code 30 | — | $80K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $77K |
| LAURIE GOOD EIN 16-0776208 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| MELISSA CRAWFORD EIN 16-0776208 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| TINA SCHAFFER EIN 16-0776208 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| MARIA HILBERT EIN 16-0776208 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| LIALETTE BULLOCK EIN 16-0776208 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| MULTIPLAN, INC. NONE | Other services Service code 49 | 115 FIFTH AVE. NEW YORK, NY 10003 | $37K |
| ARCARA ZUCARELLI LENDA & ASSOC. CPA EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| TC3 HEALTH, INC. EIN 13-4346850 NONE | Claims processing Service code 12 | — | $26K |
| SYSTMS OF NY INC. EIN 20-3831658 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $16K |
| AMERICAN HEALTH HOLDINGS, INC. NONE | Other services Service code 49 | 100 W. OLD WILSON WORTHINGTON, OH 43085 | $14K |
| MANNING AND NAPIER ADVISORS, LLC EIN 45-3328488 NONE | Investment management Service code 28 | — | $5K |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 274 | $32K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 269 | $147K |
| Other | HARTFORD LIFE INSURANCE CO. | 222 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.