| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $70 | $63K | 2.18% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONSULTANTS | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | SYMETRA LIFE INSURANCE COMPANY | $72K | $45K | $117K | 4.88% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 753202617 | HIGHMARK CASUALTY INSURANCE COMPANY | $19K | — | $19K | 2.00% |
| J12 CONCEPTS LLC3 | 2034 SWALLOW HILL #128 PITTSBURGH, PA 15220 | FEDERAL INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| J12 CONCEPTS LLC3 | 2034 SWALLOW HILL #128 PITTSBURGH, PA 15220 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 753202617 | HIGHMARK CASUALTY INSURANCE COMPANY | $977 | — | $977 | 2.01% |
| J12 CONCEPTS LLC3 | 2034 SWALLOW HILL #128 PITTSBURGH, PA 15220 | FEDERAL INSURANCE COMPANY | $505 | — | $505 | 1.20% |
| DARI SPURGEON & ASSOCIATES, LLC4 | 108 SAYBROOK ROAD SIMPSONVILLE, SC 29681 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $397 | — | $397 | 8.37% |
| ICON MARKETING GROUP LLC4 | 384 LAKE DRIVE CANTON, NE 28716 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $154 | — | $154 | 3.25% |
| S SCOTT HUMPHREY3 | 6559 RIVER ROAD MADISON, OH 44057 | AFLAC | $38 | — | $38 | 4.40% |
| MICHAEL D EVANS JR3 | 3199 SIOUX CONIFER ROAD WATERTOWN, SD 57201 | AFLAC | $16 | — | $16 | 1.85% |
| BRYAN S HUMPHREY3 | 4323 W 143RD STREET CLEVELAND, OH 44135 | AFLAC | $12 | — | $12 | 1.39% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVENUE SIOUX FALLS, SD 57105 | AFLAC | $9 | — | $9 | 1.04% |
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 | 4,912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,256 | $2.9M |
| Vision | HM LIFE INSURANCE COMPANY | 8,677 | $158K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,310 | $2.4M |
| Short-term disability | AFLAC | 0 | $864 |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 4,310 | $2.4M |
| Stop-loss / reinsurancereinsurance(2 contracts) | HIGHMARK CASUALTY INSURANCE COMPANY | 3,678 | $976K |
| Other(4 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 26 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,256 | — |
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.