| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 601976180 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | — | $32K | 3.25% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1350 DRESDEN DRIVE N.E. ATLANTA, GA 30319 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 2.10% |
| INTEGRO INSURANCE BROKERS3 | P.O. BOX 6180 CAROL STREAM, IL 601976180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 21.63% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | P.O. BOX 6180 CAROL STREAM, IL 601976180 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 7.16% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 1350 DRESDEN DR NE ATLANTA, GA 30319 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 8.79% |
| INTEGRO INSURANCE BROKERS3 | 200 GLENRIDGE POINT PARKWAY, SUITE ATLANTA, GA 30342 | ARAG | $3K | — | $3K | 10.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | P.O. BOX 6180 CAROL STREAM, IL 601976180 | HARTFORD LIFE AND ACCIDENT | $894 | — | $894 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | P.O. BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $119 | $119 | 2.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | P.O. BOX 6180 CAROL STREAM, IL 601976180 | HARTFORD LIFE AND ACCIDENT | $128K | — | $128K | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | — |
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 | 3,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 176 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $93K |
| Vision | VISION SERVICE PLAN | 2,001 | $276K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,586 | $0 |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,463 | $465K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 176 | $996K |
| Other(6 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,586 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,586 | — |
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.
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.