| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 7701 FRANCE AVE S SUITE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $131K | — | $131K | 4.25% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 7701 FRANCE AVE S SUITE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 4.49% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 7701 FRANCE AVE S SUITE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY OF NEW YORK | $100 | — | $100 | 3.84% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 7701 FRANCE AVE S SUITE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $400 | — | $400 | — |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 7701 FRANCE AVE S SUITE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $600 | — | $600 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Actuarial; Insurance brokerage commissions and fees; Consulting (general) Service code 11 | — | $152K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Plan Administrator; Copying and duplicating Service code 12 | — | $110K |
| UMR, INC. EIN 39-1995276 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $59K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal Service code 29 | — | $16K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $7K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $7K |
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 | 998 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,183 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.