| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $103K | $69K | $172K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $82K | $0 | $82K | 3.48% |
| PROEQUITIES INC3 Filed as: PROEQUITIES INC. | 2801 HIGHWAY 280 SOUTH BIRMINGHAM, AL 35223 | SECURIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.38% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS CORP. | 1300 SOUTH CLINTON STREET SUITE 105 FORT WAYNE, IN 46801 | SECURIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.38% |
| K N & A INC.3 Filed as: K.N. AND A. INC. | 6720-B ROCKLEDGE DRIVE, SUITE 140 BETHESDA, MD 20817 | SECURIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.38% |
| RICHARD H. GUTCHEON3 | 62 LASALLE ROAD, SUITE 207 HARTFORD, CT 06107 | SECURIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.07% |
| COMPREHENSIVE CORPORATE CARE LLC3 | 252 SEVENTH AVENUE, SUITE 9-F NEW YORK, NY 10017 | JOHN HANCOCK | $23K | $0 | $23K | 9.75% |
| SPECIAL RISK INSURANCE SERVICES INC3 Filed as: SPECIAL RISK INS. SERVICES, INC. | PO BOX 1108 VOORHEES, NJ 08043 | AIG PROPERTY CASUALTY, U.S. | $23K | $0 | $23K | 15.00% |
| PHILIP T DAVIS3 Filed as: PHILIP T. DAVIS | 457 MAIN STREET, SUITE 2C DANBURY, CT 06811 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 11.22% |
| SPECIAL RISK INSURANCE SERVICES INC3 Filed as: SPECIAL RISK INS. SERVICES, INC. | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $8K | $0 | $8K | 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 | 1,671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 404 | $3.3M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 757 | $3.4M |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,470 | $3.6M |
| Life insurance(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,501 | $6.1M |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,057 | $6.8M |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK | 1,671 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,057 | — |
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.