| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STAT | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | THE GUARDIAN | $4K | — | $4K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUE BERNAT EIN 16-6070541 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $101K |
| SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $76K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $53K |
| WENDY STYN EIN 16-6070541 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| NACY HADDAD EIN 16-6070541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| VELITCHKA BELTCHEVA EIN 16-6070541 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| PCA TECHNOLOGY GROUP EIN 26-0022778 NONE | Consulting (pension) Service code 17 | — | $22K |
| LIPSITZ GREEN SCIME CAMBRIA LLP EIN 16-0905097 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $13K |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN | 1,088 | $138K |
| Other | THE GUARDIAN | 1,088 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.