| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | ONE STATE STREET, 9TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL INSURANCE COMPANY | $79K | — | $79K | 4.65% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 200 GLENRIDGE POINT PKWY., STE. 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $55K | $12K | $67K | 14.98% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | P.O. BOX 6180 CAROL STREAM, IL 601976180 | SECURAIN LIFE INSURANCE COMPANY | $20K | — | $20K | 5.91% |
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 | 3,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 81 | $452K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,803 | $1.7M |
| Vision | EYEMED VISION CARE | 3,964 | $239K |
| Life insurance | SECURAIN LIFE INSURANCE COMPANY | 3,035 | $343K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,051 | $408K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 81 | $452K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,035 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,803 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.