| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 207640 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC | $49K | $0 | $49K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.07% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 2.83% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 201 EAST 4TH STREET, SUITE 625 CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $139K | $216 | $140K | 8.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $245 | $245 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2601 CAMBRIDGE COURT SUITE 435, 4TH FLOOR, BUILDING 2 AUBURN HILLS, MI 48326 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $155K | $0 | $155K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 0.88% |
| V.M.O. & ASSOCIATES, INC.3 Filed as: V. M. O. AND ASSOCIATES, INC. | PO BOX 1717 GUAYNABO, PR 00970 | MCS LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | STANDARD INSURANCE COMPANY | $8K | $1K | $10K | 4.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.73% |
| ASSUREDPARTNERS3 | UNKNOWN LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 5.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLINGS MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $975 | $0 | $975 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $9K | $0 | $9K | 10.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $1K | $1K | 1.45% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD JEFFERSONVILLE, IN 47130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $511 | $511 | 4.03% |
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 | 3,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,335 | $4.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 17,864 | $4.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 16,091 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,130 | $3.2M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,130 | $1.8M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 39 | $124K |
| Other(7 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,130 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,864 | — |
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.