| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $860K | — | $860K | 19.50% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $260K | — | $260K | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE | — | $201K | $201K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210K | $26K | $236K | 11.92% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC-E | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A, MARSH & MCLENNAN | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $51K | — | $51K | 10.00% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE. WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20K | — | $20K | 4.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | — | $10K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A, MARSH & MCLENNAN | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $127K | — | $127K | 28.00% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE. WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $18K | — | $18K | 4.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $9K | — | $9K | 2.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $16K | $16K | 20.00% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 1.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - LYNDHURST | 125 CHUBB AVE LYNDHURST, NJ 07071 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.52% |
| JAMES DUNCAN DAVIDSON3 | 3100 E MIMRALOMA AVE STE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NEW YORK | 199 WATER STREET NEW YORK, NY 10038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
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 | 44,792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 870 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 45,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 9,685 | $5.7M |
| Vision | VISION SERVICE PLAN | 20,885 | $5.5M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,076 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 9,685 | $6.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,076 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | HMSA | 102 | $1.3M |
| Other(4 contracts, 4 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 43,741 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,741 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.