| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $409K | — | $409K | 9.66% |
| THE SEGAL COMPANY3 | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.67% |
| THE SEGAL COMPANY3 | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY OF NEW YORK | $77 | — | $77 | 19.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARATHON HEALTH LLC EIN 26-0103977 NONE | Other services Service code 49 | — | $4.1M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Contract Administrator; Other insurance fees and expenses Service code 13 | — | $2.9M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $2.7M |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $334K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 84-3937993 NONE | Investment management Service code 28 | — | $332K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Other services Service code 49 | — | $293K |
| RX SAVINGS SOLUTIONS EIN 26-3642434 NONE | Other services Service code 49 | — | $246K |
| DELTA DENTAL OF IL EIN 36-2612058 NONE | Contract Administrator Service code 13 | — | $224K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $167K |
| KEPRO NONE | Other services Service code 49 | 777 EAST PARK DRIVE HARRISBURG, PA 17111 | $160K |
| KATIE COLBERT EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $158K |
| NICHOLE LINHARDT EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $147K |
| ZELIS PAYMENTS HOLDING, LLC EIN 84-3069529 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $146K |
| CATHERINE TYREE EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $130K |
| COLLEEN MORIARTY EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $123K |
| SILVIA MORENO EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| SHEILA JACKSON EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| COLETTE AZZARO EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| CASSANDRA TYREE EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| CARLY FLAHERTY EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| JUAN GARCIA-PEREZ EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| MARY BETH TYTUS EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
| BOND BROTHERS EIN 36-2433269 NONE | Other services Service code 49 | — | $70K |
| PHILLIP HAYES EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| WEX HEALTH INC. EIN 06-1593514 NONE | Contract Administrator Service code 13 | — | $58K |
| GREEN LIGHT EIN 45-5248276 NONE | Other services Service code 49 | — | $48K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Contract Administrator Service code 13 | — | $47K |
| DANA GARRETT EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| MICHELLE STRIMAITIS EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| STRATEGIC CAPITAL INVESTMENT ADV. EIN 36-4268991 NONE | Investment advisory (plan) Service code 27 | — | $36K |
| PITNEY BOWES INC. NONE | Other services Service code 49 | 205 N MICHIGAN AVE 300 CHICAGO, IL 60601 | $33K |
| BRIANNE MURRAY EIN 36-2141703 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| SINGLE CLICK IT EIN 81-1338818 NONE | Other services Service code 49 | — | $25K |
| MORGAN, LEWIS & BOCKIUS LP EIN 23-0891050 NONE | Legal Service code 29 | — | $12K |
| NORTHERN TRUST CORPORATION EIN 36-2723087 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $11K |
| MIDWEST EMPLOYEE BENEFIT FUNDS NONE | Other services Service code 49 | 6170 JOLIET ROAD, SUITE 2 COUNTRYSIDE, IL 60525 | $10K |
| COMERICA BANK EIN 42-1741646 NONE | Other investment fees and expenses; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $9K |
| DATAMATION IMAGING SERVICES EIN 36-4303011 NONE | Other services Service code 49 | — | $7K |
| ISLER DARE EIN 54-1844836 NONE | Legal Service code 29 | — | $7K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
| THE SEGAL COMPANY EIN 13-1975125 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 | 6,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,080 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 5,193 | $4.4M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 9,929 | $2.2M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 167 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,929 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.