| 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 | $4K | — | $4K | 0.19% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $800 | — | $800 | 0.32% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $200 | — | $200 | 8.42% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 3800 AMERICAN BLVD W BLOOMINGTON, MN 554314459 | HUMANA INSURANCE COMPANY | $68K | — | $68K | 13517.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $163K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Copying and duplicating; Plan Administrator; Claims processing Service code 12 | — | $128K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Insurance brokerage commissions and fees; Actuarial; Consulting (general) Service code 11 | — | $73K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $22K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $14K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Consulting (general); Actuarial Service code 11 | — | $13K |
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 | 1,015 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 1,142 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,142 | — |
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."
No prospect flags tripped on this filing.