| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 1800 M STREET NW SUITE 900 S WASHINGTON, DC 20036 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 0.64% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY EASTERN STATES | 1800 M STREET NW STE 900 WASHINGTON, DC 20036 | HARTFORD LIFE AND ACCIDENT | — | $736 | $736 | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA-ILA MANAGER'S FUND AFFILIATED ADMIN FUND | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication; Other fees Service code 15 | 10 MERSEY WAY SAVANNAH, GA 31405 | $1.6M |
| SEGAL EIN 13-2619259 ACTUARY AND CONSULTANT | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 2727 PACES FERRY RD ATLANTA, GA 30339 | $122K |
| BIGNAULT & CARTER EIN 58-1310322 CO-COUNSEL | Direct payment from the plan; Legal Service code 29 | 130 CANAL ST. STE 401 POOLER, GA 31322 | $94K |
| SYMPHONA LLP EIN 58-2663273 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 118 PARK OF COMMERCE DR SAVANNAH, GA 31405 | $56K |
| HOLLAND, BROMLEY, BARNHILL & BRETT EIN 58-1941470 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 530 STEPHENSON AVE 200 SAVANNAH, GA 31405 | $48K |
| BOSTON PARTNERS GLOBAL INVESTORS EIN 98-0202744 INVESTMENT MANAGER | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | ONE BEACON STREET BOSTON, MA 02108 | $44K |
| SEGAL MARCO ADVISORS EIN 13-2646110 INVESTMENT CONSULTANT | Investment advisory (plan); Direct payment from the plan Service code 27 | 333 W 34TH ST NEW YORK, NY 10001 | $35K |
| ELLIS, PAINTER, RATTERREE & ADAMS EIN 58-1788955 CO-COUNSEL | Direct payment from the plan; Legal Service code 29 | 7 EAST CONGRESS STREET SAVANNAH, GA 31401 | $28K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 INVESTMENT MANAGER | Investment management Service code 28 | ONE FINANCIAL CENTER BOSTON, MA 02111 | $10K |
| COMERICA EIN 42-1741646 CUSTODIAN | Other investment fees and expenses; Custodial (securities); Other services; Float revenue; Custodial (other than securities); Shareholder servicing fees Service code 18 | 411 W. LAFAYETTE AVE. DETROIT, MI 48226 | $6K |
| TRUIST BANK | Trustee (bank, trust company, or similar financial institution) Service code 21 | 33 BULL STREET SAVANNAH, GA 31401 | $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 | 3,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 617 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,349 | $2.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,349 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,349 | — |
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 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.