| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DALLAS ON WALNUT HILL 8144 WALNUT HILL LN DALLAS, TX 75231 | RELIASTAR LIFE INSURANCE COMPANY | $388K | — | $388K | 3.88% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES, LLC | PO BOX 26622 TAMPA, FL 336236622 | RELIASTAR LIFE INSURANCE COMPANY | — | $153K | $153K | 1.53% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $120K | $120K | 1.20% |
| TIVIAN3 Filed as: TIVIAN INC | 575 LEXINGTON AVE FL 14 NEW YORK, NY 100226129 | RELIASTAR LIFE INSURANCE COMPANY | — | $38K | $38K | 0.38% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $151K | $25K | $176K | 15.87% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $115K | $22K | $137K | 14.21% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $200K | $17K | $217K | 28.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC OF NEW JERSEY | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 3.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $2K | — | $2K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $3K | $3K | 20.00% |
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 | 13,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 772 | $6.4M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 18,005 | $10.0M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 18,908 | $10.6M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 18,908 | $10.6M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 772 | $6.4M |
| Other(7 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 18,005 | $13.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,908 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.