| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC THE | SUITE 870 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $102K | — | $102K | 3.55% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC THE | SUITE 870 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC THE | SUITE 870 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $600 | — | $600 | 3.42% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC THE | SUITE 870 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY OF NEW YORK | $100 | — | $100 | 3.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 | Contract Administrator Service code 13 | — | $398K |
| EMILY BROUSSEAU EIN 34-0553590 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| LAURA MARTIN EIN 34-0553590 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| EMPLOYEE BENEFITS CONSULTANTS EIN 34-1169696 | Contract Administrator Service code 13 | — | $49K |
| FAULKNER, HOFFMAN, PHILLIPS, LLP. EIN 34-1718740 | Legal Service code 29 | — | $40K |
| SHANNON MCDONOUGH EIN 34-0553590 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| THE SEGAL COMPANY EIN 13-1975125 | Actuarial Service code 11 | — | $36K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 34-1561025 | Other fees Service code 99 | — | $35K |
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $26K |
| JBM COMPUTER CONSULTANTS, INC. EIN 16-1173118 | Other fees Service code 99 | — | $19K |
| BMI AUDIT SERVICES HOLDINGS, LLC EIN 38-4091484 | Accounting (including auditing) Service code 10 | — | $15K |
| PNC BANK, NATIONAL ASSOCIATION EIN 25-1211909 | Investment management Service code 28 | — | $13K |
| LORI SILLANPAA EIN 34-0553590 EMPLOYEE | Employee (plan) Service code 30 | — | $13K |
| ANDCO CONSULTING EIN 59-3676225 | Investment management Service code 28 | — | $9K |
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 | 749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 838 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 961 | $2.9M |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 810 | $13K |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 810 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.