| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CONSULTING | 333 WEST 34TH STREET NEW YORK, NY 10001 | UCARE MINNESOTA | $313 | — | $313 | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Claims processing; Accounting (including auditing) Service code 10 | — | $466K |
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 NONE | Contract Administrator; Claims processing Service code 12 | — | $149K |
| SEGAL CONSULTING EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $59K |
| LEONARD,O'BRIEN,SPENCER,GALE & SA EIN 41-0956652 NONE | Legal Service code 29 | — | $54K |
| MAIRS & POWER, INC. EIN 41-0844499 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $41K |
| DDMN ASO, LLC EIN 41-1905554 NONE | Contract Administrator; Claims processing Service code 12 | — | $31K |
| TEAM, INC. EIN 81-4050818 NONE | Claims processing Service code 12 | — | $18K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| BMO HARRIS BANK EIN 36-2085229 NONE | Custodial (securities); Other services Service code 19 | — | $9K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Float revenue; Other services; Other fees; Claims processing Service code 12 | — | $6K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Account maintenance fees; Custodial (securities) Service code 19 | — | $5K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $5K |
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 | 1,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICA | 21 | $93K |
| Prescription drug | UCARE MINNESOTA | 7 | $15K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 1,201 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.