| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY(EASTERN ST) , INC | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $59K | — | $59K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Contract Administrator; Direct payment from the plan; Other services; Claims processing Service code 12 | — | $823K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $649K |
| KROLL HEINEMAN CARTON, LLC EIN 76-0760981 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $593K |
| ZENITH AMERICAN SOLUTIONS INC. EIN 52-1590516 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $363K |
| MARY CASTROVINCI EIN 22-1764453 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $287K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $165K |
| KIMBERLY KEMPLE EIN 22-1764453 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $128K |
| ZIEGLER CAPITAL MANAGEMENT LLC EIN 27-2347077 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Other investment fees and expenses; Investment management Service code 28 | — | $123K |
| WALKIDIA RIVERA EIN 22-1764453 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| SUSAN DOMINGUEZ EIN 22-1764453 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| MARITZA PEREZ EIN 22-1764453 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| J.J. PIERSON, P.C. EIN 37-1801501 NONE | Legal; Direct payment from the plan Service code 29 | — | $78K |
| DELTA DENTAL OF NEW JERSEY, INC. EIN 22-1896118 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $66K |
| SUSANIN, WIDMAN & BRENNAN, PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| ERASTO FIGUEROA EIN 22-1764453 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| STEVEN HUARI EIN 22-1764453 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| BARBARA ALAVENA EIN 22-1764453 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| ELLEN MENJIVAR EIN 22-1764453 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| DEBORAH HOWARD EIN 22-1764453 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| MICROSTRATEGIES EIN 22-2464278 NONE | Direct payment from the plan; Other fees Service code 50 | — | $36K |
| DIANE ROONEY EIN 22-1764453 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $34K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $24K |
| EYEMED VISION CARE, LLC EIN 43-0949884 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $19K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $18K |
| NET CENTURY PRD LLC EIN 22-3678312 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $16K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Float revenue; Custodial (securities); Participant communication; Securities brokerage commissions and fees; Investment management fees paid directly by plan; Shareholder servicing fees Service code 19 | — | $10K |
| CYBERDEV CORPORATION EIN 26-2305184 NONE | Other fees; Direct payment from the plan Service code 50 | — | $9K |
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 | 1,964 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,624 | $90K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,878 | $515K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,309 | $1.7M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 2,878 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,624 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.