| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE | $61K | $0 | $61K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE | $29K | $0 | $29K | 0.81% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | KAISER PERMANENTE | $30K | — | $30K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | KAISER PERMANENTE | $12K | — | $12K | 0.69% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | MUTUAL OF OMAHA INSURANCE COMPANY | $17K | — | $17K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $8K | $8K | 1.59% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | DELTA DENTAL | $6K | — | $6K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | DELTA DENTAL | $3K | — | $3K | 0.80% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | EXPRESS SCRIPTS, INC. | $4K | — | $4K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 1.97% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $196 | — | $196 | 0.32% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | THE HARTFORD | $316 | — | $316 | 16.93% |
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 | 575 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 575 | $5.2M |
| Dental | DELTA DENTAL | 456 | $381K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 389 | $61K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 680 | $488K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 680 | $488K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 680 | $488K |
| Other(4 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 680 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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."
No prospect flags tripped on this filing.