| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY7 Filed as: THE SEGAL COMPANY MIDWEST | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $59K | — | $59K | 2.79% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY MIDWEST | 101 N WACKER DR, STE 500 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$134 | — | -$134 | -0.08% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY MIDWEST | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $400 | — | $400 | 5.04% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY MIDWEST | 101 N WACKER DR, STE 500 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$70 | — | -$70 | -1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator; Other services Service code 13 | — | $603K |
| ANTHEM EIN 61-1237516 NONE | Other services; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $586K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $198K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Contract Administrator Service code 12 | — | $62K |
| JOHNSON & KROL LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $62K |
| COMMONWEALTH BANK AND TRUST NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 4350 BROWNSBORO ROAD, SUITE 210 LOUISVILLE, KY 40207 | $51K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $24K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
| AMERICAN GRAPHICS PRINTING COMPANY EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $18K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 1,351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 524 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 4,435 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,704 | $172K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,419 | $675K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,704 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,435 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.