| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY(EASTERN STATES) | 1800 M ST NW STE 900 S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $0 | $33K | 11.05% |
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 1800 M ST NW STE 900 S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 9.22% |
| THE SEGAL COMPANY4 Filed as: THE SEGAL CO. | 1800 M ST NW STE 900 S WASHINGTON, DC 200365880 | VISION SERVICE PLAN | $3K | — | $3K | 2.43% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | ATTN SVETLANA MISHAILOVA 333 W. 34TH STREET NEW YORK, NY 10001 | RELIASTAR LIFE INSURANCE COMPANY | $32K | $0 | $32K | 26.98% |
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 1800 M ST NW STE 900 S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.07% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 18.11% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PL WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | — | $133 | 0.40% |
| CHRISTENSEN GROUP INC4 | STE 100 9855 W. 78TH ST EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | — | $133 | 0.40% |
| USI INSURANCE SERVICES LLC4 | P O BOX 62817 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $123 | — | $123 | 0.37% |
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPLANY INC. | 333 W. 34TH STREET NEW YORK, NY 10001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41 | — | $41 | 0.12% |
No Schedule C service providers reported on this filing.
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 421 | $132K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 652 | $299K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 640 | $206K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 652 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.