| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC. | PO BOX 4092, CHURCH STREET STATION NEW YORK, NY 10261 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $525K |
| THE SEGAL COMPANY (MIDWEST), INC EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $79K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Other services; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $64K |
| ASB CAPITAL MANAGEMENT LLC EIN 80-0618452 NONE | Investment management Service code 28 | — | $34K |
| MEKETA INVESTMENT GROUP, INC EIN 04-2659023 NONE | Investment advisory (plan) Service code 27 | — | $31K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $26K |
| EMPLOYEE RESOURCE SYSTEMS, INC EIN 36-3867645 NONE | Claims processing Service code 12 | — | $20K |
| ASHER, GITTLER & D'ALBA, LTD. EIN 36-2786883 NONE | Legal Service code 29 | — | $19K |
| TIC MIDWEST ADMIN SOLUTIONS EIN 93-4217445 NONE | Contract Administrator; Copying and duplicating; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $17K |
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 | 808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 930 | $198K |
| Vision | VISION SERVICE PLAN | 917 | $153K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 912 | $63K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 912 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.