| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO | 3800 AMERICAN BLVD W SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $61K | — | $61K | 17.13% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO | 3800 AMERICAN BLVD W SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | $4K | — | $4K | 17.38% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO | 3800 AMERICAN BLVD W SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 16.90% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO | 3800 AMERICAN BLVD W SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA HEALTH PLAN OF ILLINOIS, INC | $600 | — | $600 | 17.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 | Claims processing Service code 12 | — | $378K |
| THE SEGAL COMPANY EIN 13-1975125 | Consulting (general) Service code 16 | — | $79K |
| IRON WORKERS 17 FRINGE BENEFITS INC EIN 34-1472960 | Contract Administrator Service code 13 | — | $75K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 36-3027981 | Investment management Service code 28 | — | $29K |
| DELTA DENTAL OF OHIO EIN 31-0685339 | Claims processing Service code 12 | — | $15K |
| TRAMER SHORE & ZWICK EIN 34-1736265 | Accounting (including auditing) Service code 10 | — | $11K |
| CENTERS FOR FAMILIES & CHILDREN EIN 23-7084455 | Other services Service code 49 | — | $8K |
| GOLDSTEIN & GRAGEL LLC EIN 26-3575398 | Legal Service code 29 | — | $6K |
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 | 611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 527 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | UNION EYE CARE | 2,135 | $117K |
| Prescription drug | BENISTAR ADMIN SERVICES INC | 476 | $505K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,021 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,135 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.