| 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 | $4K | — | $4K | 1.35% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC. | 333 WEST 34TH ST NEW YORK, NY 10001 | THE HARTFORD | $2K | — | $2K | 3.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 NONE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $1.2M |
| EXCELLUS BLUECROSS BLUESHIELD EIN 16-0821557 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $285K |
| ASHER KELLY NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HIGHWAY, SUITE 1 SOUTHFIELD, MI 48075 | $112K |
| MELISSA DEL PRETE EIN 16-0821557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 5214 MAIN STREET, SUITE 200 WILLIAMSVILLE, NY 14221 | $53K |
| ROCHESTER LABORERS BUILDING CORP AFFILIATED FUND | Direct payment from the plan; Other services Service code 49 | 20 FOURTH STREET ROCHESTER, NY 14609 | $51K |
| PATRICIA CALACI EIN 16-0821557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| JUSTIN VIBBER EIN 16-0871557 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $45K |
| O'SULLIVAN ASSOCIATES, INC. NONE | Direct payment from the plan; Actuarial Service code 11 | 1236 BRACE RD, UNIT E CHERRY HILL, NJ 08034 | $44K |
| MELISSA WHITE EIN 16-0821557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. NONE | Other services; Direct payment from the plan Service code 49 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $38K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
| MORGANSTANLEY SMITHBARNEY LLC EIN 36-3145972 NONE | Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $17K |
| DANIELE D'ONOFRIO EIN 16-0821557 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $17K |
| MANNING & NAPIER INC. EIN 16-0995763 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $16K |
| SYSTEMS OF NY NONE | Other services; Direct payment from the plan Service code 49 | 45 EAST AVENUE FLOOR 3 ROCHESTER, NY 14604 | $15K |
| KARPUS INVESTMENT MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $10K |
| QUADIENT FINANCE, USA NONE | Direct payment from the plan; Other services Service code 49 | 478 WHEELERS FARMS ROAD MILFORD, CT 06461 | $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 | $6K |
| SAGE INVESTMENT GROUP NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 5900 SOUTHWEST PKWY UNIT 1 AUSTIN, TX 78735 | $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 | 603 | 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) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 588 | $61K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 524 | $326K |
| Other | THE HARTFORD | 588 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
No prospect flags tripped on this filing.