No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY EIN 13-1835864 NONE | Insurance agents and brokers; Actuarial Service code 11 | — | $38K |
| DOREEN FRIEL EIN 16-0663112 EMPLOYEE | Employee (plan); Plan Administrator Service code 14 | — | $29K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| THE VANGURAD GROUP, INC. EIN 23-1945930 NONE | Securities brokerage commissions and fees; Distribution (12b-1) fees; Other fees; Investment management Service code 28 | — | $16K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Float revenue; Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $7K |
| BROWN & CONNERY EIN 22-0690243 NONE | Legal Service code 29 | — | $6K |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.