| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 101 N WACKER DRIVE CHICAGO, IL 60606 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 NONE | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $18.3M |
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $4.4M |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal Service code 29 | — | $224K |
| HMC HEALTHWORKS, LLC EIN 73-3189468 NONE | Other services Service code 49 | — | $206K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Consulting (general) Service code 16 | — | $171K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $170K |
| DENNIS G. JENKINS,CPA, LLC EIN 20-5886120 NONE | Accounting (including auditing) Service code 10 | — | $51K |
| GAMCO ASSET MANAGEMENT INC. EIN 13-4044521 NONE | Investment management Service code 28 | — | $16K |
| JOHNSON LEGAL GROUP, P.C. EIN 26-4199186 NONE | Legal Service code 29 | — | $9K |
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 | 22,130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 22,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8,790 | $3.6M |
| Vision(5 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 12,015 | $936K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 10,929 | $615K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 10,929 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,015 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.