| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: SEGAL CONSULTING | 3800 AMERICAN BLVD W, STE 870 BLOOMINGTON, MN 554314459 | BCBSM, INC. DBA BLUE CROSS BLUE SHIELD OF MINNESOTA | — | $33K | $33K | 4.97% |
| CAPITAL SPECIAL RISKS3 | 1899 POWERS FERRY ROAD ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| INTERACTIVE INSURANCE SOLUTIONS3 | 729 RAGSDALE ROAD SHARPSBURG, GA 30277 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Accounting (including auditing); Contract Administrator Service code 10 | — | $1.4M |
| BLUE CROSS BLUE SHIELD OF MN EIN 41-1427596 NONE | Claims processing Service code 12 | — | $408K |
| ANDERSON, HELGEN, DAVIS & CEFALU EIN 26-3644998 NONE | Legal Service code 29 | — | $169K |
| DDMN ASO, LLC EIN 41-1905554 NONE | Claims processing Service code 12 | — | $95K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Consulting (general) Service code 16 | — | $61K |
| TEAM, INC. EIN 83-0469948 NONE | Claims processing Service code 12 | — | $51K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $38K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $22K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Claims processing; Float revenue; Other services Service code 12 | — | $21K |
| US BANK NA EIN 41-0417860 NONE | Custodial (other than securities) Service code 18 | — | $19K |
| ANCHOR CAPITAL ADVISORS LLC EIN 20-4669888 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Securities brokerage commissions and fees Service code 28 | — | $16K |
| HONSA-BINDER PRINTING INC. EIN 41-1605232 NONE | Copying and duplicating Service code 36 | — | $11K |
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 | 3,866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 146 | $324K |
| Life insurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,868 | $226K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 142 | $155K |
| Stop-loss / reinsurancereinsurance | BCBSM, INC. DBA BLUE CROSS BLUE SHIELD OF MINNESOTA | 3,782 | $664K |
| Other | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,868 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,868 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.