| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDEST INC THE | 7701 FRANCE AVE S STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 6.70% |
| DELAWARE VALLEY HEALTH CARE3 | COALITION 2980 S HAMPTON RD PHILADELPHIA, PA 19154 | DELTA DENTAL OF OHIO | $0 | $598 | $598 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $122K |
| BENESYS, INC. EIN 38-2383170 | Contract Administrator Service code 13 | — | $85K |
| THE SEGAL COMPANY EIN 13-1975125 | Consulting (general) Service code 16 | — | $47K |
| CIUNI & PANICHI, INC. EIN 34-1322309 | Accounting (including auditing) Service code 10 | — | $21K |
| CUNI, RUST & STRENK, INC. EIN 31-1227755 | Consulting (general) Service code 16 | — | $21K |
| FAULKNER, HOFFMAN & PHILLIPS, LLC. EIN 34-1909706 | Legal Service code 29 | — | $17K |
| ANCORA ADVISORS, LLC EIN 33-1033773 | Investment management Service code 28 | — | $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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 197 | $294K |
| Dental | DELTA DENTAL OF OHIO | 1,011 | $141K |
| Vision | VISION SERVICE PLAN | 469 | $56K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 0 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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.