| 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 | $16K | $19K | $36K | 4.34% |
| AMERICAN BENEFITS AND COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $9K | $17K | 4.00% |
| PLANSOURCE BENEFIT ADMINISTRATION Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | FIRST UNUM LIFE INSURANCE COMPANY | $766 | — | $766 | 0.18% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $9K | $17K | 4.00% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 14.81% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $5K | $6K | $11K | 4.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | $2K | $13K | 12.16% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $48 | $48 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 852541804 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $7 | $7 | 0.01% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON US LL | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 11.58% |
| J MANNING AND ASSOCIATES Filed as: J MANNING & ASSOCIATES | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 9.91% |
| LTCI PARTNERS LLC Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 4.24% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $1K | $3K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P O BOX 2885 NEW YORK, NY 10087 | AETNA INTERNATIONAL | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 25.00% |
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 | 2,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 96 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 62 | $508K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 2,222 | $1.1M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,151 | $474K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,867 | $430K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 62 | $508K |
| Other(7 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,222 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,867 | — |
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.