| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 5530 TRABUCO RD IRVINE, CA 92620 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | — | $35K | 1.34% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 6.89% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $14K | — | $14K | 1.63% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $4K | $11K | 4.03% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.28% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $19K | — | $19K | 11.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $8K | — | $8K | 4.95% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 78735 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $162 | — | $162 | 5.50% |
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 | 2,081 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 371 | $3.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,640 | $1.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 3,049 | $164K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,053 | $951K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,261 | $269K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,640 | $904K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,640 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,049 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.