| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL STREET NATICK, MA 01760 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $117K | — | $117K | 2.91% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $22K | — | $22K | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | — | $29K | 8.12% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | — | $12K | 3.42% |
| EASTERN INSURANCE GROUP LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 1.50% |
| AMERICAN UNITED LIFE3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 1.37% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 22.72% |
| KOCH PROTECT INC.3 | 3816 HECKTOWN ROAD EASTON, PA 18045 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 12.40% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 16.00% |
| KOCH PROTECT INC.3 | 3816 HECKTOWN ROAD EASTON, PA 18045 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 8.94% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 16.92% |
| KOCH PROTECT INC.3 | 3816 HECKTOWN ROAD EASTON, PA 18045 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 7.95% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 12.93% |
| KOCH PROTECT INC.3 | 3816 HECKTOWN ROAD EASTON, PA 18045 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.76% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 582 | $4.0M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 582 | $4.0M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 582 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 253 | $403K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 253 | $352K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 253 | $352K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 582 | $4.0M |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 253 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.