| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN WESTLAKE VILLAGE, CA 91362 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $137K | $0 | $137K | 5.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $95K | $0 | $95K | 3.70% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$677 | — | -$677 | -0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $9K | $997 | $10K | 2.07% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $0 | $776 | $776 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $9K | $0 | $9K | 7.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | $867 | $7K | 6.03% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 598 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 598 | $2.6M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 772 | $113K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 436 | $488K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 436 | $488K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 436 | $488K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 598 | $2.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 436 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.