| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $75K | — | $75K | 3.46% |
| 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 | — | $28 | $28 | 0.01% |
| 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 | $799 | — | $799 | 11.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, INC. EIN 16-1264154 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.9M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Other fees; Claims processing; Contract Administrator Service code 12 | — | $523K |
| ZAZZALI FAGELLA NOWAK, KLEINBAUM & EIN 22-1973215 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $314K |
| THOMAS COTOV EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $224K |
| BEVERLY CEASER EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $220K |
| VINCENT P RICCARDI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $201K |
| CHARLES FERNS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $172K |
| RUSSELL A BLEY EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $151K |
| CARLOS DEOLIVEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $144K |
| GLENN KENYON EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $142K |
| SUSIE LOPES EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $139K |
| NICHOLAS BUNERO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $133K |
| MARIA BAPTISTA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| THERESA CALAMARI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $112K |
| AMY M HIBBS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| MARK A GRIFFITH EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $103K |
| FRANCISCA PEGO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| WESTERN ASSET MANAGEMENT COMPANY EIN 52-1200960 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $101K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 20-0461050 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $101K |
| VINCENT CHIARIELLO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| SHARON A SILLEN EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| MICHAEL GIAMMARINO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| MARIA A AHEDO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| ELENA B SOARES EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| MONICA J. CACOILO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| CLAUDIA CAETANO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| SANDRA OLIVEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $71K |
| PAUL N. MIRABELLI, ESQ. EIN 22-2754457 NONE | Legal; Direct payment from the plan Service code 29 | — | $68K |
| MARGARIDA M PEREIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| ADMINISTRATIVE SERVICES ONLY, INC EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $66K |
| MARTA VIEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| RUI P TEIXEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| JENNIFER TEIXEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| DIANE GLANCEY EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| CYNTHIA PARKER EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| BARKSDALE INVESTMENT MANAGEMENT INC EIN 62-1217255 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| RACHELLE CHIARIELLO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| ANGELINI, VINIAR & FREEDMAN, LLP NONE | Legal; Direct payment from the plan Service code 29 | 106 N. BROAD STREET WOODBURY, NJ 08096 | $47K |
| SUSAN R TANZ EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| J.J. PIERSON, ESQ. EIN 37-1801501 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| DANIELLE GAMMON EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| STEPHANIE BAPTISTA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| ROBERT CALAMARI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| CRYSTAL MILLAN EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| LAWRENCE E CARPINELLO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| SYDNEY MARQUES EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| THE BANK OF NY MELLON EIN 13-5160382 NONE | Investment management; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $38K |
| NATALIE M AHEDO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
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 | 6,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,884 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,528 | $512K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 7,398 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,528 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,398 | — |
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.