| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | SUITE 300 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | PRUDENTIAL FINANCIAL | $665 | $0 | $665 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-1928058 NONE | Employee (plan); Direct payment from the plan; Consulting (general) Service code 16 | — | $63K |
| EMPLOYEE EIN 06-1078051 EMPLOYEE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475982 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $23K |
| BUCKLEY FRAME BOUDREAU & CO EIN 06-0931761 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL FINANCIAL | 152 | $13K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 115 | $142K |
| Other | PRUDENTIAL FINANCIAL | 152 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.