| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM BLUE CROSS | $28K | — | $28K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.64% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 1.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN AVE FL 10 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $8 | $8 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPNAY OF CANADA | $18K | $2K | $20K | 14.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPNAY OF CANADA | $7K | $1K | $8K | 6.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $271 | — | $271 | 2.84% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 131 | $707K |
| Dental | SUN LIFE ASSURANCE COMPNAY OF CANADA | 131 | $131K |
| Vision | SUN LIFE ASSURANCE COMPNAY OF CANADA | 131 | $131K |
| Life insurance | SUN LIFE ASSURANCE COMPNAY OF CANADA | 131 | $131K |
| Short-term disability | SUN LIFE ASSURANCE COMPNAY OF CANADA | 131 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPNAY OF CANADA | 131 | $131K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 131 | $570K |
| Other | SUN LIFE ASSURANCE COMPNAY OF CANADA | 131 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.