| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR STE 1950 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $40K | — | $40K | 7.26% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $506 | $506 | 0.09% |
| CARIE ANN CASSAR3 Filed as: CARIE CASSAR | 926 SANTIAGO AVE LONG BEACH, CA 90804 | AFLAC | $29K | $4K | $32K | 13.22% |
| WILLIE BEVERLY3 | 15300 PINE TREE WAY BOWIE, MD 20721 | AFLAC | $14K | $580 | $15K | 5.96% |
| CAROLIN BERMUDEZ3 | 1409 ETHAN ALLEN AVE APT 302 TOKOMA PARK, MD 20912 | AFLAC | $10K | $194 | $10K | 4.24% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $6K | $737 | $6K | 2.58% |
| SARAH A ROBERTSON3 Filed as: SARAH ROBERTSON | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $5K | $259 | $5K | 2.08% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $3K | $259 | $3K | 1.35% |
| COLLEEN M KIRKLAND3 Filed as: COLLEEN LAWS | 11050 CRABAPPLE RD STE 107 ROSWELL, GA 30075 | AFLAC | $3K | — | $3K | 1.16% |
| KATHERINE COOK3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $140 | — | $140 | 0.06% |
| CASSANDRA GREEN3 | 10541 CALLE LEE STE 125 LOS ALAMITOS, CA 90720 | AFLAC | $37 | $12 | $49 | 0.02% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $23 | — | $23 | 0.01% |
| CARRIE CASSAR3 | 926 SANTIAGO AVE LONG BEACH, CA 90804 | AFLAC | $18K | $3K | $21K | 14.24% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $3K | $463 | $4K | 2.49% |
| WILLIE BEVERLY3 | 15300 PINE TREE WAY BOWIE, MD 20721 | AFLAC | $3K | $112 | $4K | 2.46% |
| KELLY V ZURZOLO3 Filed as: KELLY ZURZOLO | 875 FEINBERG CT STE 103 CARY, IL 60013 | AFLAC | $3K | $596 | $3K | 2.15% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVE APT 302 TAKOMA PARK, MD 20912 | AFLAC | $2K | $7 | $2K | 1.15% |
| COLLEEN M KIRKLAND3 Filed as: COLLEEN LAWS | 11050 CRABAPPLE RD STE 107 ROSWELL, GA 30075 | AFLAC | $2K | $6 | $2K | 1.12% |
| SARAH A ROBERTSON3 Filed as: SARAH ROBERTSON | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $1K | $41 | $1K | 0.76% |
| CORY CORTES3 | 9620 COPLEY DR INDIANAPOLIS, IN 46290 | AFLAC | $1K | $13 | $1K | 0.75% |
| NICOLETTE R POWELL3 Filed as: NICOLETTE POWELL | 784 GATES MILLS DR UNIT 302 FORT MILL, SC 29708 | AFLAC | $918 | — | $918 | 0.63% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $697 | $119 | $816 | 0.56% |
| JASON N DOIG3 Filed as: JASON DOIG | 1932 E DEERE AVE STE 240 SANTA ANA, CA 92705 | AFLAC | $784 | — | $784 | 0.54% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $678 | $41 | $719 | 0.49% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $547 | $119 | $666 | 0.45% |
| PATRICIA SANTORE3 | 6631 N OTTAWA AVE CHICAGO, IL 60631 | AFLAC | $635 | — | $635 | 0.43% |
| CASSANDRA GREEN3 | 10541 CALLE LEE STE 125 LOS ALAMITOS, CA 90720 | AFLAC | $427 | $179 | $606 | 0.41% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER CULLINAN | 49 FOTTLER RD HINGHAM, MA 02043 | AFLAC | $372 | — | $372 | 0.25% |
| JOHN O MONTGOMERY3 Filed as: JOHN MONTGOMERY | 10363 N COUNTY ROAD 950 E BROWNSBURG, IN 46112 | AFLAC | $361 | — | $361 | 0.25% |
| SAMUEL BANKS3 | 270 PLEASANT ST APT 123 WATERTOWN, MA 02472 | AFLAC | $241 | $7 | $248 | 0.17% |
| P MARTINDALE3 | 730 MOHAWK HILLS DR APT C CARMEL, IN 46032 | AFLAC | $180 | $5 | $185 | 0.13% |
| MICHAEL WARD3 | 5105 TOLLVIEW DR ROLLING MEADOWS, IL 60008 | AFLAC | $147 | — | $147 | 0.10% |
| EVAN D CROSS3 Filed as: EVAN CROSS | 100 ALLERTON RD MILTON, MA 02186 | AFLAC | $123 | $1 | $124 | 0.08% |
| MATTHEW SMITH3 | 9620 COPLEY DR INDIANAPOLIS, IN 46290 | AFLAC | $113 | $5 | $118 | 0.08% |
| ERIN GRACE3 | 10041 GRANITE HILL DR PARKER, CO 80134 | AFLAC | $108 | — | $108 | 0.07% |
| OLIVIA M MURRAY3 Filed as: OLIVIA MURRAY | 784 GATES MILLS DR UNIT 302 FORT MILL, SC 29708 | AFLAC | $96 | — | $96 | 0.07% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $85 | $1 | $86 | 0.06% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | AFLAC | $60 | — | $60 | 0.04% |
| KAREN MYERS3 | 8007 MORNINGSIDE DR FREDERICK, CO 80516 | AFLAC | $27 | $11 | $38 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 92614 | AFLAC | $33 | — | $33 | 0.02% |
| KATHERINE COOK3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $29 | — | $29 | 0.02% |
| DONNA BONNE3 | 88 W MAPLE AVE DENVER, CO 80223 | AFLAC | $14 | $4 | $18 | 0.01% |
| SHANA WOLF3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | AFLAC | $16 | — | $16 | 0.01% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $8 | $4 | $12 | 0.01% |
| JAIME MASON GAUDET3 Filed as: JAIME GAUDET | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | AFLAC | $10 | — | $10 | 0.01% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $5 | — | $5 | 0.00% |
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 | 2,546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURNACE COMPANY AND AFFILIATES | 493 | $117K |
| Vision | VISION SERVICE PLAN | 1,374 | $127K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,098 | $546K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,098 | $546K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,546 | $757K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,098 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,546 | — |
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.