| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) INC | 101 N. WACKER DRIVE SUITE 500 CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $166K | $0 | $166K | 3.81% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (NY) | 333 WEST 34TH STREET FLOOR 2 NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $75K | $6 | $75K | 3.66% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $47K | $0 | $47K | 3.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | MVP HEALTH CARE | $14K | $0 | $14K | 3.67% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SOUTH | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 10.71% |
| NATIONAL ACCOUNT SERVICES3 Filed as: NATIONAL ACCOUNT SERVICES, INC | 4322 ABBOTT AVENUE DALLAS, TX 75205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 10.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $655 | $655 | 0.23% |
| 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% |
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 | 4,746 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MVP HEALTH CARE | 663 | $791K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,512 | $2.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,079 | $4.4M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,079 | $4.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,079 | $4.4M |
| Prescription drug | MVP HEALTH CARE | 62 | $391K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 2,734 | $1.6M |
| Other(5 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 4,224 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,512 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.