| 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 | $29K | $37K | $66K | 4.06% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $29K | $29K | $58K | 4.53% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE FI 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 2.00% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $132K | — | $132K | 20.77% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $25K | $3K | $29K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $63 | $63 | 0.02% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | TRUSTMARK INSURANCE COMPANY | $60K | — | $60K | 42.05% |
| J MANNING AND ASSOCIATES Filed as: J MANNING & ASSOCIATES | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $52K | — | $52K | 35.98% |
| LTCI PARTNERS LLC Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 15.42% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $14K | $1K | $15K | 14.58% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $63 | $63 | 0.06% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 288 NEY YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $122 | $5K | 20.52% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $372 | $388 | $760 | 3.91% |
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 | 5,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 1,261 | $14.4M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 5,291 | $2.9M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,534 | $751K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 1,261 | $14.4M |
| Other(7 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 5,592 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,592 | — |
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.