| 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 | $121K | — | $121K | 5.63% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO MIDWEST INC | 7701 FRANCE AVE S SUITE 225 EDINA, MN 55435 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 5.93% |
| 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 | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Insurance brokerage commissions and fees; Actuarial; Consulting (general) Service code 11 | — | $126K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Claims processing; Copying and duplicating Service code 12 | — | $108K |
| UMR, INC. EIN 39-1995276 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $63K |
| REINHART BOERNER VAN DEUREN S.C. EIN 39-1126909 NONE | Legal Service code 29 | — | $30K |
| 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 | — | $16K |
| BMO HARRIS BANK NA EIN 36-2085229 NONE | Float revenue; Finders' fees / placement fees; Securities brokerage commissions and fees; Soft dollars commissions; Custodial (securities); Distribution (12b-1) fees; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $5K |
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 | 959 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,104 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,104 | — |
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.