| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $167K | $0 | $167K | 3.68% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (NY) | 333 W 34TH STREET 2ND FLOOR NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $96K | $0 | $96K | 3.98% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET FLLOR 2 NEW YORK, NY 10001 | MVP HEALTHCARE | $18K | $0 | $18K | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE LL | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.70% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 425 W BROADWAY #300 GLENDALE, CA 91204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.70% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.41% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (MIDWEST) | 101 NORTH WACKER DRIVE STE 500 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 NONE | Insurance services Service code 23 | SC3238 ONE SUN LIFE EXECUTIVE PARK WELLESLY, MA 024815699 | $77K |
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 | 5,100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 2,894 | $2.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,663 | $2.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,424 | $4.5M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,424 | $4.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,424 | $4.5M |
| Prescription drug | MVP HEALTHCARE | 58 | $451K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,894 | $1.5M |
| Other(7 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,424 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,424 | — |
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.