| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY EASTERN STATES INC | 1800 M STREET NW STE 900 S WASHINGTON, DC 20036 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWRENCE JOHNSON JR. EIN 52-0575721 FUND EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $160K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $68K |
| MEGAN NEFF EIN 52-0575721 FUND EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| BARBARA ROCK EIN 52-0575721 FUND EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| ABATO, RUBENSTEIN, & ABATO, P.A. EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| TIFFANY MILLER EIN 52-0575721 FUND EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| JAMIE ZICCARDI EIN 52-0575721 FUND EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $34K |
| SHARON MCLAUGHLIN EIN 52-0575721 FUND EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $33K |
| BRENDAN SISK EIN 52-0575721 FUND EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| M&T TRUST COMPANY (DBA WILLMINGTON) EIN 16-0538020 NONE | Trustee (bank, trust company, or similar financial institution); Investment management Service code 21 | — | $18K |
| CYNTHIA LANDEFELD EIN 52-0575721 FUND EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $16K |
| C.S. MCKEE, L.P. EIN 25-1900687 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| MIT GROUP, INC (DBA XPERTECHS) EIN 52-1561537 NONE | Other fees; Direct payment from the plan Service code 50 | — | $11K |
| INVESTMENT PERFORMANCE SERVICES INC EIN 58-2432390 NONE | Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | — | $10K |
| RICHARD WOHLFORT JR. EIN 52-0575721 FUND EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $9K |
| BICC SYSTEMS, INC EIN 36-2852073 NONE | Other fees; Direct payment from the plan Service code 50 | — | $7K |
| RICHARD KRUEGER, III EIN 52-0575721 FUND EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $5K |
| LAW OFFICES OF MICHAEL COLLINS, PC EIN 22-2880481 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 1,722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 710 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,396 | $1.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,396 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,396 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.