| 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 554314459 | HUMANA INSURANCE COMPANY | $93K | — | $93K | 5.39% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $14K | — | $14K | 5.70% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $225 | — | $225 | 2.54% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $450 | — | $450 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $240K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Copying and duplicating; Claims processing Service code 12 | — | $123K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Consulting (general); Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $110K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $33K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $29K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $18K |
| CREWS MACQUARRIE & ASSOCIATES, INC. EIN 38-3647875 NONE | Actuarial; Consulting (general) Service code 11 | — | $7K |
| MINES AND ASSOCIATES, P.C. EIN 84-1028610 NONE | Claims processing Service code 12 | — | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,064 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | HUMANA INSURANCE COMPANY | 1,149 | $2.1M |
| 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.