| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $35K | — | $35K | 10.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-1922587 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $689K |
| HUMANA INSURANCE COMPANY EIN 39-1263473 CLAIMS PROCESSOR | Actuarial Service code 11 | — | $320K |
| BENESYS, INC. EIN 38-2383171 THIRD PARTY ADMINISTRATOR | Participant communication; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Accounting (including auditing) Service code 10 | — | $113K |
| THE SEGAL COMPANY EIN 13-1975125 BENEFIT CONSULTANT | Consulting (general) Service code 16 | — | $43K |
| PNC BANK, NATIONAL ASSOCIATION EIN 22-1146430 INVESTMENT CUSTODIAN | Consulting (general); Custodial (securities) Service code 16 | — | $29K |
| YURCHYK & DAVIS CPA'S, INC EIN 34-1638235 AUDITOR | Accounting (including auditing) Service code 10 | — | $8K |
| GREEN, HAINES, SGAMBATI, CO., LPA EIN 34-1224415 ATTORNEY | Legal Service code 29 | — | $7K |
| FINDLEY DAVIES, INC. EIN 34-1213174 ACTUARY | Actuarial Service code 11 | — | $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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 178 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 420 | $184K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 420 | $184K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 420 | $523K |
| Other(2 contracts) | HUMANA INSURANCE COMPANY | 210 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.