| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 1350 AVENUE OF THE AMERICA 18TH FLOOR NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112K | $0 | $112K | 7.79% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD AND CRAFORD, INC. | 990 5TH AVENUE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 0.82% |
| RISK STRATEGIES COMPANY3 | 140 2ND STREET PETALUMA, CA 94952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 0.82% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE CO MEDICARE SUPPLEMENT | $28K | $0 | $28K | 12.67% |
| RISK STRATEGIES COMPANY5 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITED AMERICAN INSURANCE CO MEDICARE SUPPLEMENT | $8K | $0 | $8K | 3.48% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $11K | $0 | $11K | 7.62% |
| RISK STRATEGIES COMPANY5 | 160 FEDERAL STREET BOSTON, MA 02110 | EXPRESS SCRIPTS, INC. | $4K | $0 | $4K | 2.54% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.15% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD AND CRAFORD, INC. | 990 5TH AVENUE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $0 | $30K | 23.22% |
| RISK STRATEGIES COMPANY3 | 990 5TH AVENUE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 3.24% |
| GARDNER KIRBY CORPORATION3 | PO BOX 2456 MERIDEN, CT 06450 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 15.00% |
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 | 1,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE CO MEDICARE SUPPLEMENT | 94 | $219K |
| Vision | VISION SERVICE PLAN | 1,324 | $135K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,324 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,324 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,324 | $1.6M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 94 | $138K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,324 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.