| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | AND VARIOUS OTHER BROKERS 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $6K | $0 | $6K | 0.24% |
| JORGE LIMON3 Filed as: JORGE O LIMON | 8213 SUMMERFIELD AVE WHITTIER, CA 90606 | AFLAC | $1K | $0 | $1K | 0.05% |
| JASON DOUGLAS COX3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $1K | $0 | $1K | 0.05% |
| MARSH & MCLENNAN AGENCY LLC2 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN, INC. | $28K | $1 | $28K | 3.42% |
| JILL LISA RAPPAPORT3 | AND VARIOUS OTHER BROKERS 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $2K | $0 | $2K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AFLAC | $1K | $0 | $1K | 0.52% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $496 | $0 | $496 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $12K | $2K | $14K | 12.78% |
| JILL LISA RAPPAPORT3 | AND VARIOUS OTHER BROKERS 46A WINDSOR PL BROOKLYN, NY 11215 | AFLAC | $6K | $0 | $6K | 13.75% |
| JORGE LIMON3 Filed as: JORGE O LIMON | 8213 SUMMERFIELD AVE WHITTIER, CA 90606 | AFLAC | $1K | $0 | $1K | 3.13% |
| JASON DOUGLAS COX3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $1K | $0 | $1K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $401 | $50 | $451 | 10.27% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AFLAC | 148 | $4.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $128K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $123K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 172 | $111K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 172 | $111K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 172 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.