| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGALCO INSURANCE, INC. | 116 HUNTINGTON AVE FL 8 BOSTON, MA 021165749 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | $272K | — | $272K | 1.12% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO | 116 HUNTINGTON AVE., FL 8 BOSTON, MA 021165749 | VISION SERVICE PLAN | $5K | — | $5K | 1.91% |
No Schedule C service providers reported on this filing.
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 | 1,579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | 4,177 | $24.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 4,230 | $0 |
| Vision | VISION SERVICE PLAN | 1,066 | $247K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,537 | $930K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,575 | $589K |
| Other | FEDERAL INSURANCE COMPANY - CHUBB | 1,372 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,230 | — |
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.