| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC. | — | THE UNION LABOR LIFE INSURANCE COMPANY | $31K | — | $31K | 3.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | 333 W 34TH ST FL 2 COMMISSION DEPT NEW YORK, NY 100012547 | METROPOLITAN LIFE INSURANCE COMPANY | — | $274 | $274 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $2.9M |
| ZAZZALI, FAGELLA, NOWAK,KLEINBAUM EIN 22-1973215 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $425K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Other fees; Contract Administrator Service code 12 | — | $342K |
| ROBERT CALAMARI EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $232K |
| CHARLES O'NEILL EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $204K |
| THOMAS COTOV EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $199K |
| VINCENT RICCARDI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $177K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $171K |
| BEVERLY CEASAR EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $170K |
| CHARLES FERNS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $155K |
| STORCELLA & NOCERA CONTRACTING NONE | Direct payment from the plan; Other services Service code 49 | 2115 HAMILTON AVE. HAMILTON, NJ 08619 | $135K |
| CARLOS DEOLIVEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $134K |
| GLENN KENYON EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| SUSIE LOPES EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| MARIA BAPTISTA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $122K |
| MAGNACARE ADMINISTRATIVE SVC LLC. EIN 11-3410766 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $117K |
| DIANE GLANCEY EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| THERESA CALAMARI EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| AMY HIBBS EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| LAWRENCE CARPINELLO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $100K |
| NICHOLAS BUNERO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| FRANCISCA PEGO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| MONICA HIBBS EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| SUSAN FRANCISCO-PAULO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| MARK GRIFFITH EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| WESTERN ASSET MANAGEMENT COMPANY EIN 52-1200960 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $84K |
| PART D ADVISORS INC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 17199 N. LAUREL PARK DRIVE SUITE 400 LIVONIA, MI 48152 | $80K |
| MARK PAVING COMPANY INC. NONE | Other services; Direct payment from the plan Service code 49 | 77 CUTTERS DOCK ROAD WOODBRIDGE, NJ 07095 | $79K |
| SHARON SILLEN EIN 22-3678312 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| MARIA AHEDO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| CLAUDIA CAETANO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| LUCINDA DESOUSA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 20-0461050 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $73K |
| MARIA MILLAN EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| MARIA SILVA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| NU-CENTURY PRODUCTS LLC EIN 22-3678312 NONE | Direct payment from the plan; Other services Service code 49 | — | $72K |
| ELENA SOARES EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| MICHAEL GIAMMARINO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| MONICA CACOILO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| ELSA MANATA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| RACHEL MANOR PROPERTIES, LLC EIN 20-0155341 NONE | Other services; Direct payment from the plan Service code 49 | — | $65K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $65K |
| NATALIA FERREIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $65K |
| ZIEGLER CAPITAL MANAGEMENT LLC. EIN 27-2347077 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $63K |
| CATIA MANTEIRO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| MARGARIDA PEREIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| MD SASS ASSOCIATES, INC EIN 13-2704843 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $61K |
| BICC SYSTEMS INC EIN 36-2852073 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $60K |
| SANDRA OLIVEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| ANDRE BERRY EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
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 | 6,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,642 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,091 | $389K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 6,867 | $1.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,091 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,867 | — |
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.