| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL (NEW YORK) | 66 HUDSON BLVD., E NEW YORK, NY 100012192 | AMALGAMATED LIFE INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS & BLUE SHIELD EIN 22-0999690 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $116K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $75K |
| JANNEY MONTGOMERY SCOTT LLC EIN 23-0731260 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $64K |
| ROSALIND TOMEIO EIN 22-6172437 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| SUSANNE LEBER EIN 22-6172437 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| MSPC EIN 22-2951202 ACCT FOR LOCAL 560 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| GENERAL PRESCRIPTION PROGRAMS, INC EIN 13-3271051 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $27K |
| FABIAN & BYRN LLC EIN 25-1914887 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $20K |
| OPPENHEIMER & CO., INC. EIN 13-5657518 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $17K |
| JBM COMPUTER CONSULTANTS, INC. EIN 16-1173118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $15K |
| ZAZZALI, FAGELLA, NOWAK, KLEINBAUM EIN 22-1973215 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| DELTA DENTAL EIN 22-1896118 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 305 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $19K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 160 | $241K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.