| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84K | $80K | $164K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86K | — | $86K | 0.51% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | $80K | $149K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | — | $68K | 0.49% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | $80K | $148K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | — | $65K | 0.49% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD, STE 350 SOUTHBOROUGH, MA 017722123 | UNITED HEALTH CARE INSURANCE COMPANY | $456K | — | $456K | 10.00% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $16K | $21K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS. SERVICES | 700 BISHOP ST., STE. 1400 HONOLULU, HI 96813 | DELTA DENTAL HAWAII DENTAL SERVICE | $4K | — | $4K | 0.81% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $5K | $7K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOCK 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 0.43% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $7K | $9K | 3.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | — | $587 | 0.20% |
| FORTENBERRY MCNAMARA, LLC3 | 1640 LELIA DR STE 220 JACKSON, MS 39216 | GENWORTH LIFE INSURANCE COMPANY | $13K | — | $13K | 9.77% |
| EXECUTIVE INSURANCE ADVISORS LLC3 Filed as: EXECUTIVE INSURANCE AGENCY | 130 SPRINGSIDE DR. SUITE 300 AKRON, OH 44333 | GENWORTH LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $16.7M |
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.2M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $197K |
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 | 55,599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 494 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 56,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | SELECTHEALTH | 5,425 | $75.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 19,951 | $6.8M |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 38,733 | $4.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55,599 | $17.1M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 27,345 | $13.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55,599 | $13.8M |
| Prescription drug(8 contracts, 7 carriers) | SELECTHEALTH | 5,425 | $75.5M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55,599 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,599 | — |
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.