| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY Filed as: SEGAL COMPANY | PO BOX 63610 PHOENIX, AZ 85281 | SIGHTCARE, INC. | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-6951948 NONE | Contract Administrator Service code 13 | 2400 WEST DUNLAP AVENUE # 250 PHOENIX, AZ 85021 | $41K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general) Service code 11 | PO BOX 63610 PHOENIX, AZ 85082 | $37K |
| WARD KEENAN & BARRETT EIN 86-0274260 NONE | Legal Service code 29 | 3838 NORTH CENTRAL 1720 PHOENIX, AZ 85012 | $12K |
| BALDWIN & BALDWIN PLLC EIN 46-4370753 NONE | Accounting (including auditing) Service code 10 | 701 NORTH 44TH STREET PHOENIX, AZ 85008 | $10K |
| ULLICO EIN 13-1423090 NONE | Insurance services Service code 23 | 1625 EYE STREET NW WASHINGTON WASHINGTON, DC 20006 | $7K |
| RYAN RAPP & UNDERWOOD PLC EIN 86-0767091 NONE | Legal Service code 29 | 3200 NORTH CENTRAL AVE SUITE 1600 PHOENIX, AZ 85012 | $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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 386 | $2.6M |
| Vision | SIGHTCARE, INC. | 396 | $26K |
| Other | TRUSTMARK LIFE INSURANCE COMPANY | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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 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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.