| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC THE | 7701 FRANCE AVE S, STE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $51K | — | $51K | 4.08% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC THE | 7701 FRANCE AVE S, STE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 4.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP INC EIN 20-0188125 NONE | Plan Administrator Service code 14 | — | $696K |
| LECET NONE | Claims processing Service code 12 | 665 N. BROAD STREET - 4TH FLOOR PHILADELPHIA, PA 19123 | $202K |
| HMC COMPANIES EIN 75-3189468 NONE | Other services Service code 49 | — | $136K |
| MIDWEST REGIONAL HEALTH AND SAFETY NONE | Participant communication Service code 38 | 1 NORTH OLD STATE CAPITOL PLAZA, SU SPRINGFIELD, IL 62701 | $116K |
| DELTA DENTAL OF WI EIN 39-6094742 NONE | Claims processing Service code 12 | — | $110K |
| EMPLOYEE FRINGES AUDIT COMPANY EIN 42-1122328 NONE | Accounting (including auditing) Service code 10 | — | $100K |
| CEDAR RAPIDS BANK & TRUST EIN 42-1524302 NONE | Custodial (securities) Service code 19 | — | $85K |
| BLAKE & UHLIG, P.A. EIN 48-0918231 NONE | Legal Service code 29 | — | $56K |
| GENESIS HEALTH TECHNOLOGIES NONE | Claims processing Service code 12 | 212 LONE OAK ROAD PADUCAH, KY 42001 | $55K |
| STROKE DETECTION PLUS NONE | Consulting (general) Service code 16 | 2407 SW 9TH ST DES MOINES, IA 50315 | $53K |
| LWBJ, LLP EIN 42-1462849 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| ONE SOURCE MEDICAL GROUP NONE | Claims processing Service code 12 | 5626 RANDOLPH BLVD STE 2 SAN ANTONIO, TX 78233 | $18K |
| EMPLOYEE RESOURCE SYSTEMS NONE | Other services Service code 49 | 29 E MADISON ST. CHICAGO, IL 60602 | $15K |
| TRAVELERS INSURANCE NONE | Insurance services Service code 23 | PO BOX 660307 DALLAS, TX 752660307 | $11K |
| O'SULLIVAN ASSOCIATES INC. EIN 20-8199367 NONE | Actuarial Service code 11 | — | $7K |
| WASHINGTON STREET INSURANCE NONE | Insurance services Service code 23 | PO BOX 360 PALOS PARK, IL 60464 | $6K |
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 | 2,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 531 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 2,414 | $22.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,414 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.