| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | BAPTIST HEALTH PLAN | $163K | — | $163K | 4.05% |
| REAUME CORPORATION3 | 31000 LAHSER ROAD SUITE 9 BEVERLY HILLS, MI 480254847 | METROPOLITAN LIFE INSURANCE AD AND D LIFE | $98K | $24K | $122K | 8.39% |
| PHILLIP LESLIE3 | 17304 PRESTON ROAD SUITE 321 DALLAS, TX 75252 | PRUDENTIAL | $103K | — | $103K | 10.00% |
| BUCK CONSULTANTS LLC3 | P O BOX 202617 DALLAS, TX 753202617 | KAISER NORTHERN CALIFORNIA REGULAR | $18K | — | $18K | 1.89% |
| BUCK CONSULTANTS LLC3 | P O BOX 202617 DALLAS, TX 753202617 | KAISER SOUTHERN CALIFORNIA | $16K | — | $16K | 1.86% |
| VMO AND ASSOCIATES INC3 | P O BOX 1717 GUAYNABO, PR 00970 | MEDICAL CARD SYSTEM LIFE INSURANCE PUERTO RICO | $16K | — | $16K | 5.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 4.89% |
| BUCK CONSULTANTS LLC3 | P O BOX 202617 DALLAS, TX 753202617 | KAISER NORTHERN CALIFORNIA CONTRACT | $5K | — | $5K | 1.97% |
| REAUME CORPORATION3 | 31000 LAHSER ROAD SUITE 9 BEVERLY HILLS, MI 48025 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| ROBERT WILLIAM CARROLL3 Filed as: ROBERT J REAUME | 31000 LAHSER ROAD SUITE 9 BEVERLY HILLS, MI 48025 | HYATT LEGAL METLAW PLAN | $10K | — | $10K | 9.96% |
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MATSONFORD ROAD 4 RADNOR CORP COURT RADNOR, PA 19087 | FOUR EVER LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: BLUE CROSS BLUE SHIELD OF MICHIGAN | MAIL CODE 520R 600 E LAFAYETTE DETROIT, MI 48226 | FOUR EVER LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 10.00% |
| REAUME CORPORATION3 | 31000 LAHSER ROAD SUITE 9 BEVERLY HILLS, MI 480254847 | METROPOLITAN LIFE INSURANCE CO STD | — | $14 | $14 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 EAP | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $82K |
| BENSINGER DUPONT AND ASSOCIATES EIN 36-3185080 EAP | Other services Service code 49 | — | $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 | 8,280 | 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) | 8,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | KAISER NORTHERN CALIFORNIA REGULAR | 215 | $2.7M |
| Dental(6 contracts, 5 carriers) | DELTA DENTAL PLAN OF MICHIGAN | 6,677 | $5.3M |
| Vision(7 contracts, 7 carriers) | KAISER SOUTHERN CALIFORNIA | 5,461 | $1.7M |
| Life insurance(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE AD AND D LIFE | 7,082 | $2.6M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE CO STD | 174 | $14K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 3,674 | $1.2M |
| Prescription drug(6 contracts, 6 carriers) | KAISER NORTHERN CALIFORNIA REGULAR | 215 | $2.7M |
| Other(9 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE AD AND D LIFE | 7,082 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,082 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.