| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | 180 HOWARD STREET SAN FRANCISCO, CA 94105 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 0.61% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 0.33% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | 180 HOWARD STREET SAN FRANCISCO, CA 94105 | AETNA HEALTH, INC. | $26K | — | $26K | 0.62% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $17K | — | $17K | 0.42% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STAT | 180 HOWARD STREET STE 1100 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.60% |
| DESIGNED PROTECTION INSURANCE SVCS3 Filed as: DESIGNED PROTECTION INSURANCE | 150 N SAN DIMAS AVE #201 SAN DIMAS, CA 91773 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | — | $769 | 0.40% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STAT | 180 HOWARD STREET STE 1100 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 16.71% |
| DESIGNED PROTECTION INSURANCE SVCS3 Filed as: DESIGNED PROTECTION INSURANCE | 150 N SAN DIMAS AVE #201 SAN DIMAS, CA 91773 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | — | -$3K | -1.75% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY | 1920 N ST NW STE 400 WASHINGTON, DC 20036 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 11.52% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY | 1920 N ST NW STE 400 WASHINGTON, DC 20036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.11% |
| BENEFITS AMERICA INSURANCE SER3 | 6320 CANOGA AVE 12TH FL WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 0.90% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET #110 NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $1K | — | $1K | — |
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 | 1,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,834 | $5.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,834 | $5.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,084 | $359K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $12K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,084 | $215K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,084 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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.