| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: SEGAL CO MIDWEST INC. | 3800 AMERICAN BLVD, SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.20% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO | 3800 AMERICAN BLVD W SUITE 870 BLOOMINGTON, MN 554314459 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | $150 | — | $150 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 36-0648820 | Claims processing Service code 12 | — | $475K |
| LOCAL 310 FRINGE BENEFITS, INC EIN 34-1217340 | Contract Administrator Service code 13 | — | $138K |
| DELTA DENTAL OF OHIO EIN 31-0685339 | Claims processing Service code 12 | — | $62K |
| THE SEGAL COMPANY EIN 13-1975125 | Actuarial Service code 11 | — | $46K |
| EXPRESS SCRIPTS INC EIN 45-2884094 | Claims processing Service code 12 | — | $38K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 36-3027981 | Investment management Service code 28 | — | $36K |
| SEGAL ADVISORS, INC EIN 13-2646110 | Investment advisory (plan) Service code 27 | — | $26K |
| CENTERS FOR FAMILIES AND CHILDREN EIN 23-7084455 | Other services Service code 49 | — | $16K |
| GOLDSTEIN GRAGEL LLC EIN 26-3575398 | Legal Service code 29 | — | $12K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 | Claims processing Service code 12 | — | $8K |
| TRAMER SHORE & ZWICK EIN 34-1736265 | Accounting (including auditing) Service code 10 | — | $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 | 1,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 387 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,295 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,295 | — |
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.