| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $447K | — | $447K | 11.58% |
| THE SEGAL COMPANY3 | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 12.33% |
| THE SEGAL COMPANY3 | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY OF NEW YORK | $84 | — | $84 | 11.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARATHON HEALTH LLC EIN 84-3269071 NONE | Other services Service code 49 | — | $2.9M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $2.8M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $2.7M |
| NATIONAL INVESTMENT SERVICES, INC. EIN 84-3937993 NONE | Investment management Service code 28 | — | $308K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Other services; Soft dollars commissions Service code 49 | — | $299K |
| RX SAVINGS SOLUTIONS EIN 26-3642434 NONE | Other services Service code 49 | — | $265K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $236K |
| DELTA DENTAL OF IL EIN 36-2612058 NONE | Contract Administrator Service code 13 | — | $216K |
| KEPRO NONE | Other services Service code 49 | 777 EAST PARK DRIVE HARRISBURG, PA 17111 | $156K |
| COSTIN, HAMMEL & LEAKE, L.L.C. EIN 36-4198035 NONE | Accounting (including auditing) Service code 10 | — | $149K |
| NICHOLE LINHARDT EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $145K |
| KATIE COLBERT EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $134K |
| CATHERINE TYREE EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $124K |
| RED-CARD SYSTEMS, LLC EIN 84-3069529 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $119K |
| COLLEEN MORIARTY EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $109K |
| SILVIA MORENO EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| SHEILA JACKSON EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| COLETTE AZZARO EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| CASSANDRA TYREE EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| MARY BETH TYTUS EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| GAILE HOGUE EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| BOND BROTHERS EIN 36-2433269 NONE | Other services Service code 49 | — | $56K |
| PHILLIP HAYES EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Contract Administrator Service code 13 | — | $46K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $45K |
| CARLY FLAHERTY EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| LAUREN BAL EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| KAITLYN SHEEHAN EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| DANA GARRETT EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| STRATEGIC CAPITAL INVESTMENT ADV. EIN 36-4268991 NONE | Investment advisory (plan) Service code 27 | — | $35K |
| LAURA GUNAKA EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| PITNEY BOWES INC. NONE | Other services Service code 49 | 205 N MICHIGAN AVE 300 CHICAGO, IL 60601 | $32K |
| SINGLE CLICK IT EIN 81-1338818 NONE | Other services Service code 49 | — | $26K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $24K |
| MIDWEST EMPLOYEE BENEFIT FUNDS NONE | Other services Service code 49 | 6170 JOLIET ROAD, SUITE 2 COUNTRYSIDE, IL 60525 | $11K |
| CHANGE HEALTHCARE EIN 20-5731067 NONE | Other services Service code 49 | — | $11K |
| ISLER DARE EIN 54-1844836 NONE | Legal Service code 29 | — | $10K |
| GREEN LIGHT EIN 45-5248276 NONE | Other services Service code 49 | — | $10K |
| NORTHERN TRUST CORPORATION EIN 36-2723087 NONE | Investment management; Soft dollars commissions Service code 28 | — | $10K |
| COMERICA BANK EIN 42-1741646 NONE | Other investment fees and expenses; Custodial (securities) Service code 19 | — | $9K |
| DATAMATION IMAGING SERVICES EIN 36-4303011 NONE | Other services Service code 49 | — | $5K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 6,565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,049 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 5,244 | $3.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 9,674 | $2.1M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 129 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,674 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.