| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (WESTERN STATES) INC | 100 MONTEGOMERY ST., STE 500 SAN FRANCISCO, CA 94104 | TOKIO MARINE HCC | $25K | $14K | $40K | 7.85% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (WESTERN STATES) INC | 100 MONTEGOMERY ST., STE 500 SAN FRANCISCO, CA 94104 | TOKIO MARINE HCC | — | $3K | $3K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REHN & ASSOCIATES EIN 91-1008626 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $197K |
| THE SEGAL COMPANY, INC. EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $82K |
| FIRST CHOICE HEALTH NETWORK INC. EIN 91-1272768 NONE | Direct payment from the plan; Other services Service code 49 | — | $73K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| TURNER, STOEVE & GAGLIARDI, P.S. EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| AMERICAN HEALTH HOLDING INC. EIN 31-1368946 NONE | Direct payment from the plan; Other services Service code 49 | — | $57K |
| UNITED CLAIMS SOLUTIONS, LLC EIN 81-5130313 NONE | Direct payment from the plan; Other services Service code 49 | — | $32K |
| WASHINGTON TRUST BANK EIN 91-0462347 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $13K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $8K |
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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC | 790 | $95K |
| Dental | DELTA DENTAL OF WASHINGTON | 1,865 | $556K |
| Vision | VISION SERVICE PLAN | 757 | $88K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 790 | $36K |
| Other(3 contracts, 2 carriers) | TOKIO MARINE HCC | 790 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,865 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.