| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAKESH BANSAL3 | 1 HORSESHOE CT MONROE, NJ 08831 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $29K | — | $29K | 5.40% |
| RAKESH BANSAL3 | 1 HORSESHOE CT MONROE TOWNSHIP, NJ 08831 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.58% |
| NY LIFE SECURITIES LLC3 | 41 MADISON AVE RM 251 NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $537 | $537 | 0.62% |
| RAKESH BANSAL3 | 1 HORSESHOE COURT MONROE TOWNSHIP, NJ 08831 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $738 | — | $738 | 0.90% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE, ROOM 251 NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $655 | $655 | 0.80% |
| RAKESH BANSAL3 | 1 HORSESHOE CT MONROE TOWNSHIP, NJ 08831 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.00% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE, ROOM 251 NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $535 | $535 | 0.75% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITES LLC | 51 MADISON AVE, ROOM 251 NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY | — | $490 | $490 | 0.75% |
| RAKESH BANSAL3 | 1 HORSESHOE CT MONROE, NJ 08831 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| NYLIFE SECURITIES LLC5 | 51 MADISON AVE, ROOM 251 NEW YORK, NY 10010 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $193 | $193 | 0.75% |
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 | 1,360 | 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) | 1,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 88 | $538K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 293 | $26K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | 601 | $153K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 88 | $538K |
| Stop-loss / reinsurancereinsurance | FIRST UNUM LIFE INSURANCE COMPANY | 108 | $65K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.