| 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 | $36K | — | $36K | 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 | — | $12 | $12 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | SMALL COMM EMP BENEFITS PO BOX 203373 DALLAS, TX 75320 | USI INSURANCE SERVICES NATIONAL LLC | $2K | — | $2K | 8.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $2.5M |
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $860K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Other fees; Claims processing; Contract Administrator Service code 12 | — | $804K |
| ZAZZALI FAGELLA NOWAK KLEINBAUM EIN 22-1973215 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $418K |
| PART D ADVISORS INC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 17199 N. LAUREL PARK DRIVE SUITE 400 LIVONIA, MI 48152 | $251K |
| CHARLES O NEILL EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $251K |
| ROBERT CALAMARI EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $244K |
| THOMAS COTOV EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $201K |
| BEVERLY CEASAR EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $183K |
| VINCENT RICCARDI EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $178K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $165K |
| CHARLES FERNS EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $155K |
| CARLOS DEOLIVEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $138K |
| GLENN KENYON EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $136K |
| SUSIE LOPES EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| MARIA BAPTISTA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| NICHOLAS BUNERO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| MARIA SILVA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $115K |
| AMY HIBBS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| DIANE GLANCEY EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| LAWRENCE CARPINELLO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $105K |
| THERESA CALAMARI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| MARK GRIFFITH EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| FRANCISCA PEGO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| SHARON SILLEN EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| MARIA AHEDO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| LUCINDA DESOUSA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| ELENA SOARES 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; Investment management fees paid directly by plan Service code 28 | — | $72K |
| MICHAEL GIAMMARINO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| CLAUDIA CAETANO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| MARIA FERREIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| ELSA MANATA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| NATALIA FERREIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| MONICA CACOILO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $65K |
| MARGARIDA PEREIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| CATIA MANTEIRO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| SELF INSURED DENTAL SERVICES INC EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $61K |
| SANDRA OLIVEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| JENNIFER TEIXEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| ANABELA DACUNHA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| MARTA VIEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| RAMIRA COSTA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| MARIA CRAVEIRO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| ANDRE BERRY EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| MONICA HIBBS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| WESTERN ASSET MANAGEMENT COMPANY EIN 52-1200960 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| CYNTHIA PARKER EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| ZIEGLER CAPITAL MANAGEMENT EIN 27-2347077 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $48K |
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 | 6,452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,662 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 9,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,434 | $410K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 7,193 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,434 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,193 | — |
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."
No prospect flags tripped on this filing.