| 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 | $62K | — | $62K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE | $30K | — | $30K | 0.85% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS, LLC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | KAISER PERMANENTE | $34K | — | $34K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | KAISER PERMANENTE | $18K | — | $18K | 0.93% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | BLUE CROSS BLUE SHEILD OF ILLINOIS | $29K | — | $29K | 4.12% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | MUTUAL OF OMAHA INSURANCE COMPANY | $17K | — | $17K | 3.38% |
| 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 | 1.62% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS, LLC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | DELTA DENTAL | $6K | — | $6K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | DELTA DENTAL | $3K | — | $3K | 0.85% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | EXPRESS SCRIPTS, INC. | $5K | — | $5K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 1.74% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $778 | — | $778 | 1.55% |
| 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 | $521 | — | $521 | 1.04% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD | $452 | — | $452 | 16.99% |
| BENEFITS & RISK SOLUTIONS, INC.3 | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | THE HARTFORD | $398 | — | $398 | 14.96% |
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 | 544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 544 | $6.2M |
| Dental | DELTA DENTAL | 434 | $393K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 372 | $50K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 639 | $500K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 639 | $500K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 639 | $500K |
| Other(4 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 639 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.