| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: SEGAL COMPANY (NY) | CHURCH STREET STATION NEW YORK, NY 10261 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.44% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STAT | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | THE GUARDIAN | $4K | — | $4K | 3.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUE BERNAT EIN 16-6070541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $124K |
| SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $116K |
| WENDY STYN EIN 16-6070541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $49K |
| NANCY HADDAD EIN 16-6070541 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| VELITCHKA KIREVA EIN 16-6070541 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| VICTORIA ANTONICELLI EIN 16-6070541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| MORGAN STANLEY EIN 20-8764829 NONE | Investment advisory (plan); Other investment fees and expenses; Direct payment from the plan Service code 27 | — | $39K |
| LIPSITZ GREEN SCIME CAMBRIA LLP EIN 16-0905097 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $18K |
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 | 1,268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 924 | $139K |
| Life insurance | THE GUARDIAN | 999 | $121K |
| Other | THE GUARDIAN | 999 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.