| 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 | $17K | $19K | $36K | 4.30% |
| AMERICAN BENEFITS AND COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | — | $10K | $10K | 1.85% |
| PLANSOURCE BENEFIT ADMINISTRATION Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 0.93% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | — | $9K | $9K | 1.94% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $51K | — | $51K | 19.91% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $5K | $6K | $11K | 4.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | — | $11K | 8.90% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 0.93% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $529 | $529 | 0.44% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $273 | $273 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $63 | $63 | 0.05% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | TRUSTMARK INSURANCE COMPANY | $29K | — | $29K | 42.69% |
| J MANNING AND ASSOCIATES Filed as: J MANNING & ASSOCIATES | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $25K | — | $25K | 36.53% |
| LTCI PARTNERS LLC Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 15.65% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $5K | $16K | 27.49% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P O BOX 2885 NEW YORK, NY 10087 | AETNA INTERNATIONAL | $4K | — | $4K | 15.00% |
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 | 2,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 63 | $528K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 2,299 | $1.1M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,213 | $500K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,964 | $522K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 63 | $528K |
| Other(7 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,299 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,964 | — |
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.