| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC. | P. O. BOX 4058 THE SEGAL GROUP CHURCH STREET STATION NEW YORK, NY 102614058 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $0 | $54K | 5.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $894 | $894 | 0.09% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC. | 333 WEST 34TH STREET NEW YORK, NY 100012402 | DELTA DENTAL OF NEW JERSEY, INC | $10K | $0 | $10K | 1.60% |
| THE SEGAL COMPANY3 Filed as: THE SEGEL COMPANY, INC | 333 WEST 34TH ST NEW YORK, NY 10001 | HORIZON HEALTHCARE SERVICES,INC. | $7K | $0 | $7K | 10.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC. | 333 WEST 34TH STREET NEW YORK, NY 100012402 | FLAGSHIP HEALTH SYSTEMS | $1K | $0 | $1K | 2.99% |
| THE SEGAL COMPANY3 Filed as: THE SEGEL COMPANY EASTERN | PO BOX 4058 CHURCH ST STATION NEW YORK, NY 10261 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.13% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $204 | $1K | 3.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC., | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | $0 | $3K | 15.00% |
No Schedule C service providers reported on this filing.
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 563 | $673K |
| Vision | HORIZON HEALTHCARE SERVICES,INC. | 666 | $67K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $997K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $997K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $997K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,255 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,255 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.