| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S STE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $1.3M | — | $1.3M | 9.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF MN EIN 41-0984460 NONE | Other fees; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.2M |
| WILSON MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator Service code 13 | — | $2.9M |
| TEAM EIN 81-4050818 NONE | Other services Service code 49 | — | $1.3M |
| STAIRWAY PARTNERS, LLC EIN 20-1164360 NONE | Investment advisory (plan); Custodial (securities) Service code 19 | — | $536K |
| DELPHI OF FLORIDA EIN 01-0580124 NONE | Other services Service code 49 | — | $439K |
| DDMN ASO LLC EIN 41-1905554 NONE | Other services; Claims processing Service code 12 | — | $288K |
| REINHART EIN 39-1126909 NONE | Legal Service code 29 | — | $171K |
| MCGRANN SHEA EIN 41-1654544 NONE | Legal Service code 29 | — | $148K |
| ERIN LANG EIN 23-7015120 EMPLOYEE | Employee (plan) Service code 30 | — | $136K |
| STEARNS WEAVER EIN 59-2126062 NONE | Legal Service code 29 | — | $88K |
| ANDREW, BRANSKY, & POOLE EIN 41-1502219 NONE | Legal Service code 29 | — | $79K |
| WHITESTAR ADVISORS LLC EIN 03-0496641 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $72K |
| HYGEIA CORPORATION EIN 36-4331825 NONE | Other services Service code 49 | — | $55K |
| MARTHA LAFAVE EIN 23-7015120 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| KUTAK ROCK EIN 47-0597598 NONE | Legal Service code 29 | — | $37K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| HESSIAN & MCKASY EIN 20-1551306 NONE | Legal Service code 29 | — | $17K |
| PATRICK J. THOMAS AGENCY NONE | Legal Service code 29 | 121 S. 8TH STREET, SUITE 980 MINNEAPOLIS, MN 55402 | $10K |
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 | 10,761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,323 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 4,204 | $13.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 2,458 | $1.3M |
| Prescription drug | HUMANA INSURANCE COMPANY | 4,204 | $13.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.