| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGALCO INS. INC | 583 MASSACHUSETTS AVE BOSTON, MA 02118 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.09% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC. | 116 HUNTINGTON AVE BOSTON, MA 02116 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $30 | $30 | 0.05% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC. | 116 HUNTINGTON AVE BOSTON, MA 02116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $15 | $15 | 0.05% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC. | 116 HUNTINGTON AVE BOSTON, MA 02116 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $6 | $6 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL COMPANY (NY) BROKER | Insurance agents and brokers Service code 22 | 116 HUNTINGTON AVE BOSTON, MA 02116 | $66K |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 306 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $77K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $61K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 99 | $30K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 35 | $13K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.