| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | P.O. BOX 4058 SEGAL GROUP CHURCH STREET STATION NEW YORK, NY 102614058 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | P.O. BOX 4058 SEGAL GROUP CHURCH STREET STATION NEW YORK, NY 102614058 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC. EIN 23-7391136 NONE | Float revenue; Claims processing; Direct payment from the plan; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $12.6M |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $649K |
| THE SEGAL COMPANY INC. EIN 13-1835864 NONE | Insurance brokerage commissions and fees; Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $473K |
| KELLY PRESS INC. EIN 52-0975591 PRINTER & COPIER | Copying and duplicating; Direct payment from the plan Service code 36 | — | $412K |
| PROSKAUER ROSE LLP EIN 13-1840454 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $255K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Other commissions; Custodial (securities); Direct payment from the plan Service code 19 | — | $250K |
| SPIVAK LIPTON LLP EIN 13-3494495 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $220K |
| TRIPLE S SALUD INC. EIN 66-0555677 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $206K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Custodial (other than securities); Custodial (securities) Service code 18 | — | $182K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $110K |
| MEKETA INVESTMENT GROUP INC. EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $40K |
| SYNTONIC SYSTEMS INC. EIN 13-2925049 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
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 | 34,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,133 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 36,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 515 | $50K |
| Vision | DAVIS VISION, INC. | 44,610 | $476K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,694 | $709K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,130 | $41K |
| Prescription drug | TRIPLE S SALUD, INC. | 515 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 26,222 | $4.3M |
| Other | TRIPLE S SALUD, INC. | 515 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44,610 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.