| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY EASTERN STATES INC | 333 WEST 34TH STREET NEW YORK, NY 10001 | SYMETRA LIFE INSURANCE COMPANY | $56K | $37K | $94K | 4.97% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY MIDWEST INC | 101 N WACKER DRIVE SUITE 550 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $299K | $0 | $299K | 16.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACOUNT SERVICES, INC. | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $104K | $0 | $104K | 5.53% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY NEW YORK | 333 WEST 34TH STREET FLOOR 2 NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $61K | $0 | $61K | 3.32% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY MIDWEST INC | 101 NORTH WACKER DRIVE SUITE 550 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $145K | $0 | $145K | 8.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC. | 340 MADISSON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $81K | $0 | $81K | 4.91% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY MIDWEST INC | 101 N WACKER DRIVE SUITE 550 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 6.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 5.50% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (EASTERN STATES) INC | 333 WEST 34TH STREET FLOOR 2 NEW YORK, NY 10001 | MVP HEALTH CARE | $14K | $0 | $14K | 3.99% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY MIDWEST INC | 101 N WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $15K | $0 | $15K | 13.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | $0 | $3K | 2.88% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY MIDWEST INC | 101 N WACKER DRIVE SUITE 550 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY MIDWEST INC | 101 N WACKER DRIVE SUITE 550 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 4,029 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 66 | $446K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,436 | $1.9M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,029 | $1.7M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,518 | $539K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 925 | $1.9M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,573 | $1.9M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 155 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,518 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.