| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314420 | HUMANA INSURANCE COMPANY | $200K | — | $200K | 12.52% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314420 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 4.05% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314420 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $550 | — | $550 | 6.53% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314420 | HUMANA INSURANCE COMPANY OF NEW YORK | $100 | — | $100 | 4.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $269K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Consulting (general); Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $223K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Plan Administrator; Copying and duplicating Service code 12 | — | $121K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $24K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| CREWS MACQUARRIE & ASSOCIATES, INC. EIN 38-3647875 NONE | Actuarial; Consulting (general) Service code 11 | — | $15K |
| BERENBAUM WEINSHIENK P.C. EIN 84-1075194 NONE | Legal Service code 29 | — | $14K |
| MINES AND ASSOCIATES, P.C. EIN 84-1028610 NONE | Claims processing Service code 12 | — | $6K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Securities brokerage commissions and fees; Custodial (securities); Soft dollars commissions; Trustee (bank, trust company, or similar financial institution); Finders' fees / placement fees; Distribution (12b-1) fees; Float revenue Service code 19 | — | $2K |
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 | 1,109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 1,149 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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.