| 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 | $125K | — | $125K | 3.26% |
| THE UNION LABOR LIFE INSURANCE COMP7 | 8403 COLESVILLE ROAD 13TH FLOOR SILVER SPRING, MD 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $90K | $90K | 2.34% |
| ULLICO INVESTMENT COMPANY, LLC0 | 8403 COLESVILLE ROAD 13TH FLOOR SILVER SPRING, MD 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 0.25% |
| 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 | — | — | $0 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $79K | $79K | 20.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC. | 333 WEST 34TH STREET NEW YORK, NY 10001 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | HARTFORD FIRE INSURANCE COMPANY | — | $127 | $127 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, INC. EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.1M |
| ZAZZALI FAGELLA NOWAK, KLEINBAUM & EIN 22-1973215 NONE | Legal; Direct payment from the plan Service code 29 | — | $408K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $398K |
| BEVERLY CEASER EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $262K |
| THOMAS COTOV EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $257K |
| VINCENT P RICCARDI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $223K |
| CHARLES FERNS EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $197K |
| RUSSELL A BLEY EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $190K |
| ROBERT CALAMARI EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $168K |
| BRUNO C GRACA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $165K |
| NICHOLAS BUNERO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $161K |
| CARLOS DEOLIVEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $160K |
| GLENN KENYON EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $158K |
| SUSIE LOPES EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $156K |
| THERESA CALAMARI EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $144K |
| ATALANTA SOSNOFF CAPITAL LLC EIN 20-0461050 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $134K |
| MARTA VIEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $130K |
| AMY M HIBBS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| ELENA B SOARES EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| MARK A GRIFFITH EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $123K |
| FRANCISCA PEGO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| VINCENT CHIARIELLO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| MICHAEL GIAMMARINO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| SHARON A SILLEN EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| CLAUDIA CAETANO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| MARIA A AHEDO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| MONICA J CACOILO EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| SANDRA OLIVEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| ANGELINI, VINIAR & FREEDMAN, LLP NONE | Legal; Direct payment from the plan Service code 29 | 106 N. BROAD STREET WOODBURY, NJ 08096 | $81K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $79K |
| JENNIFER TEIXEIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| BICC SYSTEMS INC EIN 36-2852073 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $72K |
| MARGARIDA M PEREIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| WESTERN ASSET MANAGEMENT COMPANY EIN 52-1200960 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $71K |
| NATALIA FERREIRA EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| WEAVER C. BARKSDALE & ASSOCIATES, I EIN 62-1217255 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $68K |
| DANIELLE GAMMON EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| ULLICO EIN 13-1423090 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $62K |
| CYNTHIA PARKER EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| RUI P TEIXEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| SUSAN R TANZ EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| RACHELLE CHIARIELLO EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| ALEXANDER RINALDI, ESQ. EIN 22-2169863 NONE | Legal; Direct payment from the plan Service code 29 | — | $53K |
| J.J. PIERSON, ESQ. EIN 37-1801501 NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| MORGAN STANLEY GRAYSTONE EIN 26-4310632 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| STEPHANIE BAPTISTA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| NATALIE GRACA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| CRYSTAL MILLAN EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| MARIA VIEIRA EIN 22-1481564 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| STEPHANIE S DIAS EIN 22-1481564 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
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 | 7,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,972 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,105 | $491K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 7,866 | $3.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,105 | $884K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,866 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.