| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY | 1230 W WASHINGTON ST #501 TEMPE, AZ 85281 | HUMANA INSURANCE COMPANY | $44K | — | $44K | 5.92% |
| THE SEGAL COMPANY3 | 333 W 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $476K |
| PREMIER HEALTHCARE NONE | Claims processing Service code 12 | 2601 NETWORK BLVD #500 FRISCO, TX 75034 | $187K |
| AMERICAN HEALTH GROUP NONE | Claims processing Service code 12 | 2152 S VINEYARD AVE #103 MESA, AZ 85210 | $65K |
| UBS FINANCIAL SERVICES EIN 13-2638166 NONE | Investment management Service code 28 | — | $64K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial Service code 11 | — | $56K |
| SEGAL SELECT INSURANCE BROKERAGE EIN 13-1835864 NONE | Insurance services Service code 23 | — | $20K |
| DENTAL NETWORK OF AMERICA EIN 36-3339483 NONE | Claims processing Service code 12 | — | $18K |
| WAM CONVERTS EIN 04-3154394 NONE | Investment advisory (plan) Service code 27 | — | $18K |
| FINDELL & COMPANY, P.C. EIN 85-0357326 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| KELLEY LAW GROUP NONE | Legal Service code 29 | 3800 N CENTRAL AVE. STE 530 PHOENIX, AZ 85012 | $13K |
| RYAN RAPP PACHECO & KELLEY PLC EIN 86-0767091 NONE | Legal Service code 29 | — | $13K |
| REILLY ECHOLS PRINTING NONE | Copying and duplicating Service code 36 | 1710 S HARWOOD ST DALLAS, TX 75215 | $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 | 1,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 273 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,682 | $11.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,682 | $10.9M |
| Vision | VISION SERVICE PLAN | 1,517 | $132K |
| Short-term disability | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,682 | $10.9M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,359 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,682 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.