| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD, SUITE 870 BLOOMINGTON, MN 55431 | HUMANA INSURANCE COMPANY | $188K | — | $188K | 4.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 MEDICAL | Claims processing Service code 12 | — | $837K |
| IBEW LOCAL 38 FRINGE BENEFIT FUNDS EIN 34-1381893 OTHER EXPENSES | Contract Administrator Service code 13 | — | $144K |
| DELTA DENTAL OF OHIO EIN 31-0685339 MEDICAL | Claims processing Service code 12 | — | $115K |
| THE SEGAL COMPANY EIN 13-1975125 ACTUARY | Actuarial Service code 11 | — | $58K |
| CENTER FOR FAMILIES AND CHILDREN EIN 23-7084455 MEDICAL | Claims processing Service code 12 | — | $37K |
| TIC INTERNATIONAL CORP EIN 13-2600875 COMPUTER EXPENSE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34K |
| ALOTTA FARLEY & CO LLP EIN 34-1316963 LEGAL EXPENSE | Legal Service code 29 | — | $31K |
| VISION SERVICES PLAN EIN 31-0725743 PROVIDER | Claims processing Service code 12 | — | $30K |
| REA & ASSOCIATES, INC. EIN 34-1310124 AUDITOR | Accounting (including auditing) Service code 10 | — | $28K |
| MANNING & NAPIER EIN 16-0995736 INV FEE | Investment management Service code 28 | — | $23K |
| THE MARCO CONSULTING GROUP EIN 34-3555070 INV FEE | Investment advisory (plan) Service code 27 | — | $12K |
| EMPLOYERS HEALTH COALITION, INC EIN 34-1403820 CONSULTING FEES | Consulting (general) Service code 16 | — | $8K |
| KEY BANK EIN 34-1784820 INV FEE | Investment management Service code 28 | — | $7K |
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 | 1,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 743 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,888 | $397K |
| Other | HUMANA INSURANCE COMPANY | 1,202 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,888 | — |
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."
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.