| 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 | $613 | $0 | $613 | 1.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE PROGRAMMERS, INC. EIN 06-0811449 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $83K |
| THE SEGAL COMPANY EIN 13-1928058 NONE | Direct payment from the plan; Consulting (general); Employee (plan) Service code 16 | — | $58K |
| EMPLOYEE EIN 06-1078051 EMPLOYEE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $47K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475982 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $36K |
| BUCKLEY FRAME BOUDREAU & CO EIN 06-0931761 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| HINES EIN 36-3545085 NONE | Contract Administrator Service code 13 | — | $8K |
| REID & REIGE, P.C. EIN 06-0867204 NONE | Legal Service code 29 | — | $7K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL FINANCIAL | 161 | $35K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 117 | $143K |
| Other | PRUDENTIAL FINANCIAL | 161 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
No prospect flags tripped on this filing.