| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | LOCKBOX 740659 LOS ANGELES, CA 90074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $0 | $59K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 5.93% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS. GROUP, LLC | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET GREENSBORO, NC 27455 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $3K | $0 | $3K | 4.62% |
| PRESIDIO BENEFITS GROUP, INC.3 | 142 SANSOME STREET, 4TH FLOOR SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $389 | $0 | $389 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | LOCKBOX 740659 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $483 | $0 | $483 | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $228 | $228 | 7.08% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 46 | $485K |
| Vision | VISION SERVICE PLAN | 308 | $57K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $391K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $391K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $391K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 46 | $485K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.