| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $32K | $32K | 2.37% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FL NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 0.97% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.37% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $44K | — | $44K | 19.27% |
| AUGEO AFFINITY INSURANCE SERVICE,3 | 2561 TERRITORIAL ROAD ST. PAUL, MN 55114 | METLIFE LEGAL PLANS | $16K | — | $16K | 9.99% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16 | $16 | 0.27% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW YORK INC | 7 HANOVER SQUARE NEW YORK, NY 10282 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 44.99% |
| J MANNING AND ASSOCIATES Filed as: J MANNING & ASSOCIATES | 167 N GREEN ST CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 38.50% |
| LTCI PARTNERS LLC Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $819 | — | $819 | 16.49% |
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 | 2,859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 518 | $4.0M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,368 | $1.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,592 | $890K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 518 | $4.0M |
| Other(7 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 3,368 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,368 | — |
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.