| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY INC OF ARIZONA | 1230 WEST WASHINGTON STREET SUITE 501 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $172K | $15K | $187K | 4.04% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $59K | — | $59K | 1.28% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY OF ARIZONA, INC. | 100 MONTGOMERY STREET, SUITE 500 SAN FRANCISCO, CA 94104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 16.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $914 | $10K | 3.97% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY, WESTERN STATES, INC. | 100 MONTGOMERY STREET, SUITE 500 SAN FRANCISCO, CA 94104 | HYATT LEGAL PLANS | $14K | — | $14K | 8.37% |
| LOCKTON COMPANIES, LLC3 | 8100 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | HYATT LEGAL PLANS | $3K | — | $3K | 1.71% |
| LOCKTON COMPANIES, LLC3 | 8100 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 2.15% |
No Schedule C service providers reported on this filing.
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 | 7,573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPLOYERS DENTAL SERVICES | 1,376 | $107K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,620 | $683K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,449 | $4.6M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,449 | $4.6M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,449 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,449 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.