| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY WESTERN STATES IN | 100 MONTGOMERY ST., SUITE 500 SAN FRANCISCO, CA 941044308 | SAFEGUARD HEALTH PLANS, INC. | — | $38 | $38 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS EIN 32-2383171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $780K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $268K |
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $198K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $142K |
| WEINBERG, ROGER & ROSENFIELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $83K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $70K |
| ALLIED PRINTING COMPANY EIN 47-2090829 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $32K |
| EYEMED EIN 86-0773195 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $17K |
| MORGAN STANLEY WEALTH MANAGEMENT EIN 36-3145972 NONE | Investment advisory (plan); Direct payment from the plan; Custodial (securities); Named fiduciary Service code 19 | — | $15K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $11K |
| GRANDFLOW INC. EIN 94-3211239 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $8K |
| FREMONT BANK EIN 94-1569025 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $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 | 3,545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,194 | $19.5M |
| Dental | SAFEGUARD HEALTH PLANS, INC. | 1,105 | $163K |
| Vision | KAISER FOUNDATION HEALTH PLAN, INC. | 8 | $158K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 8,788 | $2.3M |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,720 | $7.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 8,788 | $2.3M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 8,788 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,788 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.