| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $276K | — | $276K | 2.18% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $139K | $139K | 1.32% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $219K | $219K | 2.18% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $88K | $88K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $494K | — | $494K | 13.32% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FLOOR 14 NEW YORK, NY 101782103 | UNITEDHEALTHCARE INSURANCE COMPANY | $247K | — | $247K | 6.68% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$810 | -$810 | -0.03% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $43K | — | $43K | 1.97% |
| INDIGO INSURANCE SERVICES0 | 101 HUNTINGTON AVENUE SUITE 1300 MAIL STOP 01/17 BOSTON, MA 02199 | FOUR EVER LIFE INS CO. | — | $5K | $5K | 3.00% |
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 | 31,810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17,791 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 846 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 50,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 92 | $789K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 52,345 | $6.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52,717 | $3.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31,428 | $10.6M |
| Other(8 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 45,364 | $35.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52,717 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.