| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MEGRIFF, MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 3.57% |
| EOI SERVICE COMPANY INC Filed as: EOI SERVICE COMPANY | 3100 E MIRALOMA AVE STE 240 AAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | $436K | — | $436K | 44.03% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $30K | $30K | 3.04% |
| EOI SERVICE COMPANY INC Filed as: EOI SERVICE COMPANY | 3100 E MIRALOMA AVE STE 240 AAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | $275K | — | $275K | 31.98% |
| BSC AGENCY LLC | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $24K | $24K | 2.81% |
| BSC AGENCY LLC | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $13K | $13K | 2.69% |
| EOI SERVICE COMPANY INC | 3100 E MIRALOMA AVE AAHEIM, CA 92806 | AMERICAN HERITAGE LIFE INSURANCE COMPANY- ALLSTATE BENEFITS | $147K | — | $147K | 33.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MEGRIFF, MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | GEISINGER QUALITY OPTIONS, INC. | $11K | $30 | $11K | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MEGRIFF, MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | GEISINGER HEALTH PLAN | $7K | $30 | $7K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Other fees Service code 99 | 2418 CROSSROADS DR STE 2600 MADISON, WI 53718 | $0 |
| NATIONAL COOPERATIVERX 04-3775178 | Other fees Service code 99 | — | $0 |
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 | 5,595 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | GEISINGER QUALITY OPTIONS, INC. | 0 | $485K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $1.0M |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | 0 | $1.8M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | 0 | $501K |
| Other(5 contracts, 3 carriers) | QBE INSURANCE CORPORATION | 0 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
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.