| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY ARIZONA INC | 100 MONTGOMERY STREET SUITE 500 SAN FRANCISCO, CA 94104 | BLUE CROSS BLUE SHIELD OF ARIZONA | — | — | $0 | 0.00% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. WESTERN STATES INC. | 100 MONTGOMERY ST. SUITE 500 SAN FRANCISCO, CA 941044308 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 11.00% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY INC | 100 MONTGOMERY STREET SUITE 500 SAN FRANCISCO, CA 941044308 | PRUDENTIAL INSURANCE COMPANY OF AMERICIA | $13K | — | $13K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Contract Administrator Service code 13 | — | $486K |
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 | 781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 772 | $856K |
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 542 | $587K |
| Vision | BLUE CROSS BLUE SHIELD OF ARIZONA | 772 | $856K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,041 | $210K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICIA | 840 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 772 | $856K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 772 | $856K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,041 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,041 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.