| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | $14K | $93K | 3.52% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $17 | $8K | 2.10% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE & ASSOCIATION INS AGCY OF OHI | 4000 SMITH RD STE 400 CINCINNATI, OH 45209 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.56% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $358 | $358 | 0.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $736 | — | $736 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIDUCIARY PLAN MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | 1 ALMADEN BLVD, SUITE 620 SAN JOSE, CA 95113 | $32K |
| INEICH & COMPANY, LLP EIN 56-2552172 NONE | Accounting (including auditing) Service code 10 | 950 TOWER LANE, SUITE 780 FOSTER CITY, CA 94404 | $24K |
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 | 838 | 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) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $2.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 838 | $609K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 838 | $609K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $220K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $162K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $144K |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 439 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.