| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC. | 333 WEST 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.95% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC. | 333 WEST 34TH ST NEW YORK, NY 10001 | THE HARTFORD | $4K | — | $4K | 5.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 NONE | Claims processing; Float revenue; Direct payment from the plan; Other fees Service code 12 | — | $1.2M |
| EXCELLUS BLUECROSS BLUESHIELD EIN 16-0821557 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $291K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 5214 MAIN STREET, SUITE 200 WILLIAMSVILLE, NY 14221 | $91K |
| MELISSA DEL PRETE EIN 16-0821557 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $73K |
| BLITMAN & KING EIN 16-1047304 NONE | Direct payment from the plan; Legal Service code 29 | — | $71K |
| ROCHESTER LABORERS BUILDING CORP AFFILIATED FUND | Direct payment from the plan; Other services Service code 49 | 20 FOURTH STREET ROCHESTER, NY 14609 | $53K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. NONE | Other services; Direct payment from the plan Service code 49 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $47K |
| PATRICIA CALACI EIN 16-0821557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| JUSTIN VIBBER EIN 16-0871557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| ASHER KELLY NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HIGHWAY, SUITE 1 SOUTHFIELD, MI 48075 | $39K |
| MORGANSTANLEY SMITHBARNEY LLC EIN 36-3145972 NONE | Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $36K |
| MELISSA WHITE EIN 16-0821557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| DANIELE D'ONOFRIO EIN 16-0821557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| SYSTEMS OF NY NONE | Other services; Direct payment from the plan Service code 49 | 45 EAST AVENUE FLOOR 3 ROCHESTER, NY 14604 | $26K |
| KARPUS INVESTMENT MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $11K |
| QUADIENT FINANCE, USA NONE | Direct payment from the plan; Other services Service code 49 | 478 WHEELERS FARMS ROAD MILFORD, CT 06461 | $9K |
| MANNING & NAPIER INC. EIN 16-0995763 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
| DOLAN MCENIRY CAPITAL MANAGEMENT NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 120 N LASALLE ST 1510 CHICAGO, IL 60602 | $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 | 644 | 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) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 592 | $67K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 533 | $352K |
| Other | THE HARTFORD | 592 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.