| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (WESTERN STATES) | 1501 W FOUNTAINHEAD PARKWAY SUITE 370 TEMPE, AZ 85282 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC LIFE & HEALTH INSURANCE CO EIN 95-4331852 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.8M |
| SAVEONSP LLC EIN 47-3603390 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $2.6M |
| CARROT FERTILITY INC EIN 81-1995709 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.4M |
| DIRECT PAY INC EIN 83-1359536 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| EPLAN EIN 20-3720767 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.1M |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $761K |
| NIGRO KARLIN SEGAL FELDSTEIN EIN 95-3632775 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $750K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $554K |
| SIDEPATH INC EIN 51-0420047 NONE | Other services; Direct payment from the plan Service code 49 | — | $549K |
| INNOVEST SYSTEMS EIN 13-4146072 NONE | Direct payment from the plan; Other services Service code 49 | — | $345K |
| BEECHER CARLSON HOLDINGS INC EIN 20-0322653 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $339K |
| EMPLOYEE 1008 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $331K |
| WITHUMSMITHBROWN PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $315K |
| UCLA HEALTH NONE | Direct payment from the plan; Other services Service code 49 | 30304 AGOURA RD STE 100 AGOURA HILLS, CA 91301 | $284K |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $257K |
| KRAW LAW GROUP EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $252K |
| THE HARTFORD EIN 06-0838648 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $250K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $244K |
| EMPLOYEE 1013 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $240K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $222K |
| SWITCH LTD EIN 51-0500225 NONE | Other services; Direct payment from the plan Service code 49 | — | $195K |
| BUDGET PRINT COPY INC EIN 59-3783274 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $171K |
| BROWN BROWN OF MA LLC EIN 27-4732361 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $168K |
| EMPLOYEE 237 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $163K |
| EMPLOYEE 4359 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| CONSIDINE ASSOCIATES INC EIN 82-3383419 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $133K |
| EMPLOYEE 1017 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $130K |
| EMPLOYEE 7415 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $130K |
| TECHNOLOGY MANAGEMENT CONCEPTS EIN 95-4134680 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $126K |
| SOFTWARE MGMT CONSULTANTS EIN 95-3861305 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $113K |
| K2 EMPLOYMENT LAW EIN 84-2472182 NONE | Legal; Direct payment from the plan Service code 29 | — | $110K |
| EMPLOYEE 5351 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| EMPLOYEE 5233 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| EMPLOYEE 1014 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| EMPLOYEE 1495 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| EMPLOYEE 1341 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| EMPLOYEE 1011 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $101K |
| EMPLOYEE 4935 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| EMPLOYEE 4362 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $100K |
| EMPLOYEE 393 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| EMPLOYEE 4305 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| EMPLOYEE 1045 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| GARTNER INC EIN 04-3099750 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $97K |
| EMPLOYEE 1128 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| EMPLOYEE 2669 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| EMPLOYEE 3830 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| EMPLOYEE 4270 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| EMPLOYEE 5688 EIN 95-2216351 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| EMPLOYEE 2807 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $92K |
| EMPLOYEE 4226 EIN 95-2216351 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $92K |
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 | 9,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,183 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,151 | $321K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 21,151 | $321K |
| Other | HARTFORD LIFE AND ACCIDENT | 21,151 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.