| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $273K | $0 | $273K | 6.14% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (NY) | 333 W 34TH STREET FLOOR 2 NEW YORK, NY 10001 | AETNA LIFE INSURANCE CO. | $85K | $0 | $85K | 4.29% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | AIG BENEFIT SOLUTIONS | $27K | $45K | $73K | 4.72% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO (EASTERN STATES) INC | 333 WEST 34TH STREET NEW YORK, NY 10001 | MVP HEALTH CARE | $14K | $0 | $14K | 4.02% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GRP SE LLC | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | $0 | $45K | 18.34% |
| NATIONAL ACCOUNT SERVICES3 Filed as: NATIONAL ACCOUNT SERVICES, INC | 11111 SANTA MONICA BOULEVARD SUITE 1150 LOS ANGELES, CA 90025 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 9.17% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.47% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 6.84% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $2K | $0 | $2K | 5.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 1001 BRICKELL BAY DRIVE SUITE 1100 MIAMI, FL 33131 | FEDERAL INSURANCE COMPANY | $468 | $0 | $468 | 15.00% |
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 | 4,145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 63 | $459K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,498 | $2.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,145 | $4.5M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,145 | $4.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,145 | $4.5M |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 2,681 | $1.5M |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 4,145 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,498 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.