| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $17K | $5K | $22K | 6.61% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN BLASCH | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHARLES HAKE EIN 16-0864434 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $41K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management Service code 19 | — | $23K |
| TRONCONI SEGARRA & ASSOCIATES, LLP EIN 04-3728817 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| LIPSITZ, GREEN, SCIME, CAMBRIA LLP EIN 16-0905097 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES EIN 47-1793720 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $5K |
| PCA TECHNOLOGY GROUP, INC. EIN 26-0022778 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 2 | $10K |
| Dental | UNIVERA HEALTHCARE | 2 | $10K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 307 | $32K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 307 | $32K |
| Prescription drug | UNIVERA HEALTHCARE | 2 | $10K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 292 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.