| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $0 | $31K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $3K | $59K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE STANDARD INSURANCE COMPANY | $18K | $3K | $21K | 17.65% |
| MICHELLE L FODREY3 Filed as: MICHELLE FODREY AND OTHER AGENTS | 332 SOUTH GRACE STREET LOMBARD, IL 60148 | AFLAC | $2K | $261 | $3K | 5.32% |
| JASON DOUGLAS COX3 | 4240 NORTH CLARENDON AVENUE APARTMENT 405S CHICAGO, IL 60613 | AFLAC | $1K | $166 | $1K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | AFLAC | $1K | $0 | $1K | 2.37% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $838 | $156 | $994 | 2.01% |
| JORGE LIMON3 Filed as: JORGE O. LIMON | 8213 SUMMERFIELD AVENUE WHITTIER, CA 90606 | AFLAC | $493 | $223 | $716 | 1.45% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $560 | $88 | $648 | 1.31% |
| PATRICIA GAIL LEES3 | 1124 CHURCH COURT BURBANK, CA 91501 | AFLAC | $363 | $27 | $390 | 0.79% |
| MARITZA ROLON3 Filed as: MARITZA ROLON AND OTHER AGENTS | 3051 EDWIN AVENUE, APARTMENT 2A FORT LEE, NJ 07024 | AFLAC | $328 | $102 | $430 | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $400 | $0 | $400 | 3.22% |
| JILL LISA RAPPAPORT3 | 46A WINDSOR PLACE BROOKLYN, NY 11215 | AFLAC | $239 | $118 | $357 | 2.88% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $296 | $41 | $337 | 2.72% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $275 | $0 | $275 | 2.22% |
| NADINE COTTERELL3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $123 | $109 | $232 | 1.87% |
| SIMONE HIRSCH3 | 1167 HILLSBORO MILE, APARTMENT 403 HILLSBORO BEACH, FL 33062 | AFLAC | $149 | $0 | $149 | 1.20% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 199 | $2.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $143K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $143K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 253 | $122K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 253 | $134K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 253 | $122K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 199 | $2.8M |
| Other(3 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 253 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.