| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST), INC. | 101 NORTH WACKER DRIVE, SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Claims processing Service code 12 | — | $195K |
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 NONE | Claims processing; Other insurance fees and expenses Service code 12 | — | $140K |
| ISSI SYSTEMS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $52K |
| SEGAL CONSULTING EIN 13-1975125 NONE | Consulting (general); Actuarial Service code 11 | — | $45K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $45K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $24K |
| WELLDYNERX, LLC. EIN 84-1515837 NONE | Claims processing; Contract Administrator Service code 12 | — | $23K |
| ACTIVE HEALTH MANAGEMENT NONE | Consulting (general) Service code 16 | 233 SPRING STREET NEW YORK, NY 10013 | $18K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Account maintenance fees; Soft dollars commissions Service code 19 | — | $9K |
| THE KARMEL LAW FIRM EIN 20-4035194 NONE | Legal Service code 29 | — | $9K |
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 | 604 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 461 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.