| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GULF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $13K | 3.92% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 17.23% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BNFTS COMMUNICATION LLC | 1 BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $929 | $0 | $929 | 11.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CAREBRIDGE CORPORATION | $296 | $0 | $296 | 4.05% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | CAREBRIDGE CORPORATION | $238 | $0 | $238 | 3.25% |
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 | 498 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 84 | $526K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 852 | $299K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 815 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $336K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $336K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $336K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 84 | $526K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.