| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $479K | $0 | $479K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 | DALLAS ON WALNUT HILL 8144 WALNUT HILL LN DALLAS, TX 75231 | RELIASTAR LIFE INSURANCE COMPANY | $367K | $0 | $367K | 3.90% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $188K | $188K | 2.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $219K | $25K | $244K | 21.20% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $130K | $19K | $149K | 17.49% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $124K | $16K | $140K | 19.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $20K | $4K | $24K | 11.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $10K | $3K | $12K | 12.04% |
| REUBEN WARNER ASSOCIATES, INC.3 | REUBEN WARNER 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $2K | $2K | 15.75% |
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 | 11,483 | 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) | 11,483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 803 | $6.0M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 17,103 | $9.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 17,103 | $9.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 17,103 | $9.4M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 803 | $6.0M |
| Other(8 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,103 | $12.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,103 | — |
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.