| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $54K | $54K | 2.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $22K | — | $22K | 2.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 645 HAMILTON ST. SUITE 1002 ALLENTOWN, PA 18101 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $19K | — | $19K | 3.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $10K | — | $10K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $26K | $2K | $28K | 7.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $581 | $58 | $639 | 16.49% |
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 | 2,929 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 1,971 | $11.1M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 16 | $126K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,237 | $531K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,131 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 5,131 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,131 | $2.7M |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD | 1,971 | $7.5M |
| Stop-loss / reinsurancereinsurance | UNIMERICA LIFE INSURANCE COMPANY | 1,195 | $1.4M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,131 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,131 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.