| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANY INC. | 1125 17TH ST SUITE 400 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $466 | $466 | 0.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE ST SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $2K | $2K | 1.40% |
| VARIOUS - SEE ATTACHMENT3 | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $5K | $27K | 26.72% |
| VARIOUS - SEE ATTACHMENT3 | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 22.00% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL RD GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 2.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE ATLANTA, GA 30305 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.59% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | HAYS COMPANIES OF GEORGIA ATLANTA, GA 30326 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.79% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | HAYS COMPANIES OF GEORGIA ATLANTA, GA 30326 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | — | $16 | 5.59% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 3730 EVEREST DR MONTGOMERY, AL 36106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 5.24% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.35% |
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 | 5,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,085 | $8.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,628 | $345K |
| Vision | VISION SERVICE PLAN | 3,511 | $511K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,056 | $1.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,177 | $669K |
| Other(7 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,056 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,177 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.