| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Claims processing Service code 12 | — | $324K |
| IRON WORKERS 17 FRINGE BENEFIT INC EIN 34-1472960 RELATED FUND | Contract Administrator Service code 13 | — | $64K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 36-3027981 NONE | Investment management Service code 28 | — | $33K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general) Service code 16 | — | $25K |
| DELTA DENTAL OF OHIO EIN 31-0685339 NONE | Claims processing Service code 12 | — | $16K |
| J. SCHAEFER & COMPANY LLC EIN 82-3706925 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| GOLDSTEIN & GRAGEL LLC EIN 26-3575398 NONE | Legal Service code 29 | — | $11K |
| EASE AT WORK EIN 23-7084455 NONE | Other services Service code 49 | — | $10K |
| KEYBANK NA EIN 34-0767057 NONE | Custodial (securities) Service code 19 | — | $7K |
| POFOK CRAMPTON LLC EIN 85-2393001 NONE | 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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 442 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY INC | 410 | $31K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 627 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.