| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACTIV8 HEALTH LLC5 | — | FEDERAL LIFE INSURANCE COMPANY | — | $968K | $968K | 2.01% |
| ACTIV8 HEALTH LLC5 Filed as: LL ACTIV8 2023 LLC | — | FEDERAL LIFE INSURANCE COMPANY | $914K | — | $914K | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $193K | — | $193K | 2.45% |
| BEK RESOURCES LLC3 | 120 MARGUERITE DR., SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AETNA LIFE INSURANCE CO. | $110K | — | $110K | 1.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6100 S. YALE AVE., STE. 1900 TULSA, OK 74135 | SYMETRA LIFE INSURANCE COMPANY | — | $45K | $45K | 2.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LT | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | SYMETRA LIFE INSURANCE COMPANY | $27K | — | $27K | 1.43% |
| BEK RESOURCES LLC3 | 8000 BROOKTREE RD. WEXFORD, PA 15090 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.28% |
| BEK RESOURCES LLC3 | 8000 BROOKTREE RD. WEXFORD, PA 15090 | ARMADA CARE | $5K | — | $5K | 1.46% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LN. NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $160 | $678 | 6.85% |
| CATHLEEN A. DESROSIERS3 | 232 BEAR SWAMP RD. ANDOVER, CT 06232 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $75 | $598 | 6.04% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $82 | $207 | 2.09% |
| MARK E. ZALESKI3 | 1145 N. RIVER RD. COVENTRY, CT 06238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 1.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY RD., STE. 300 WARRINGTON, PA 18976 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.54% |
| COLGATE BENEFITS INC3 Filed as: COLGATE BENEFITS INC. | 43 MAGILL DR. GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $16 | $53 | 0.54% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BLVD. SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $19 | $39 | 0.39% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES INC. | 162 INDIAN POINT RD. TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| STANLEY ZALESKI3 | 8916 CROWN COLONY BLVD. FORT MYERS, FL 33908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| INNOVATIVE PARTNERS LLC3 | INNOVATIVE PARTNERS LLC HARTFORD, CT 06106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR., STE. 101 CRANBERRY TOWNSHIP, PA 16066 | HARTFORD LIFE AND ACCIDENT | $252 | — | $252 | 5.00% |
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 | 20,320 | 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) | 20,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 190 | $2.5M |
| Dental | AETNA LIFE INSURANCE CO. | 17,431 | $7.9M |
| Vision | EYEMED VISION CARE | 6,596 | $1.3M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 14,146 | $1.9M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $10K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 14,146 | $1.9M |
| Prescription drug(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 190 | $2.5M |
| Other(5 contracts, 5 carriers) | FEDERAL LIFE INSURANCE COMPANY | 20,320 | $50.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,320 | — |
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.
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.