| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 1501 W. FOUNTAINHEAD PKWY STE 370 TEMPE, AZ 85282 | HUMANA INSURANCE COMPANY | — | $28K | $28K | 2.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NONE | Claims processing Service code 12 | 2444 W LAS PALMARITAS DR PHOENIX, AZ 85021 | $954K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | 2001 W. CAMELBACK RD. STE B350 PHOENIX, AZ 85015 | $450K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $68K |
| NECASTAR EIN 86-0140480 NONE | Other services Service code 49 | — | $50K |
| RYAN RAPP UNDERWOOD & PACHECO EIN 86-0767091 NONE | Legal Service code 29 | — | $45K |
| BALDWIN MOFFITT BEHM LLP EIN 46-4370753 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| ALAN D BILLER ASSOCIATES NONE | Investment advisory (plan) Service code 27 | 535 MIDDLEFIELD RD. #230 MENLO PARK, CA 94025 | $20K |
| BMO HARRIS BANK NONE | Custodial (securities) Service code 19 | PO BOX 97558 LAS VEGAS, NV 89196 | $7K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 1,592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 1,729 | $1.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,729 | $1.0M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,729 | $64K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,729 | $664K |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 1,729 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.