| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S EDINA, MN 55435 | HUMANA | $124K | — | $124K | 2.83% |
| THE SEGAL COMPANY Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S EDINA, MN 55435 | HUMANA | $600 | — | $600 | 2.69% |
| THE SEGAL COMPANY Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S STE 225 EDINA, MN 55435 | HUMANA | $200 | — | $200 | 2.10% |
| THE SEGAL COMPANY Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S STE 225 EDINA, MN 55435 | HUMANA | $100 | — | $100 | 3.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 CLAIMS PROCESSING | Claims processing Service code 12 | — | $870K |
| IBEW LOCAL 38 FRINGE BENEFIT FUNDS EIN 34-1381893 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $164K |
| DELTA DENTAL OF OHIO EIN 31-0685339 CLAIMS PROCESSING | Claims processing Service code 12 | — | $116K |
| SEGALL BRYANT & HAMILL, LLC EIN 41-1788385 INVESTMENT MANAGER | Investment management Service code 28 | — | $87K |
| G&E HC REIT II PKWY MED CENTER LLC RENT | Other fees Service code 99 | 399 PARK AVENUE, 18TH FL NEW YORK, NY 10022 | $60K |
| CENTER FOR FAMILIES AND CHILDREN EIN 23-7084455 CLAIMS PROCESSING | Claims processing Service code 12 | — | $38K |
| THE SEGAL COMPANY EIN 13-1975125 CONSULTANT | Consulting (general); Actuarial Service code 11 | — | $35K |
| VISION SERVICES PLAN EIN 31-0725743 PROVIDER | Claims processing Service code 12 | — | $33K |
| TIC INTERNATIONAL CORP EIN 13-2600875 COMPUTER EXPENSES | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $30K |
| MANNING & NAPIER EIN 16-0995736 INVESTMENT MANAGER | Investment management Service code 28 | — | $25K |
| ALOTTA FARLEY & CO LLP EIN 34-1316963 ATTORNEY | Legal Service code 29 | — | $19K |
| REA & ASSOCIATES, INC. EIN 34-1310124 AUDITOR | Accounting (including auditing) Service code 10 | — | $14K |
| THE MACRO CONSULTING GROUP INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | — | $12K |
| KEY BANK EIN 34-1784820 INVESTMENT CUSTODIAN | Investment management Service code 28 | — | $9K |
| EMPLOYERS HEALTH COALITION, INC EIN 34-1403820 CONSULTANT | Consulting (general) Service code 16 | — | $9K |
| VOYA FINANCIAL, INC. EIN 52-1222820 INVESTMENT MANAGER | Investment management Service code 28 | — | $8K |
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 | 1,667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 739 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,907 | $442K |
| Other(4 contracts) | HUMANA | 1,174 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,907 | — |
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.