| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS E STRONG3 | WILLIS TOWERS WATSON US LLC 800 N GLEBE RD ARLINTON, VA 22203 | DEAN HEALTH PLAN INC | $105K | — | $105K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $37K | $37K | 1.06% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.09% |
| USI INSURANCE SERVICES LLC3 | 90 S CASCADE AVE 2ND FLOOR COLORADO SPRINGS, CO 80903 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $2K | $2K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NC 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $30K | $12K | $42K | 11.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $1K | $1K | 0.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES INC | PO BOX 62819 VIRGINA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $57 | $57 | 0.02% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES INC | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $55 | $55 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $28 | $28 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | -$2K | -$2K | -0.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $26K | 12.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 8.47% |
| MAN PARTNERS3 | BALDWIN KRYSTYN SHER 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | CONTINENTAL AMERICAN INSUARNCE COMPANY | $10K | — | $10K | 13.82% |
| VERA I CRUICE3 | 7121 TARPON CT FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSUARNCE COMPANY | $4K | — | $4K | 5.06% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | CONTINENTAL AMERICAN INSUARNCE COMPANY | $1K | — | $1K | 2.00% |
| ONS INC SLR INSURANCE SOLUTIONS3 | 1021 TORRY CT ST. JOHNS, FL 32259 | CONTINENTAL AMERICAN INSUARNCE COMPANY | $1K | — | $1K | 1.40% |
| JAMES R MIRABELLI3 | 8375 DIX ELLIS TRAIL SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSUARNCE COMPANY | $653 | — | $653 | 0.91% |
| SOUTHEAST INC. STE 2003 Filed as: SOUTHEAST INC | WILLIS TOWERS WATSON 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | CONTINENTAL AMERICAN INSUARNCE COMPANY | -$101 | — | -$101 | -0.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM INSUARNCE COMPANY | $8K | $2K | $11K | 23.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM INSUARNCE COMPANY | $9K | $2K | $11K | 23.97% |
| PETERSON, CARL J3 | 29 S MAIN ST STE 215 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 17.67% |
| LRI, LLC DBA LINDBERG AND RIPPLE3 Filed as: LRI, LLC DBA LINDERG AND RIPPLE | 29 S MAIN ST STE 311 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 3.15% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OH 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 2.76% |
| LINDBERG & RIPPLE INC3 | 29 S MAIN ST WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $44 | $349 | 0.91% |
| LINDBERG & RIPPLE INC3 | 29 SOUTH MAIN ST WEST HARTFORD, CA 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $44 | $349 | 0.91% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | — | $118 | $118 | 0.36% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ALTANTA GA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | — | $13 | $13 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNUM INSUARNCE COMPANY | $6K | $1K | $7K | 23.47% |
| ROBERT A LEVY3 | 1600 DIVISION STREET STE 220 NASHVILLE, TN 37203 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $228 | $228 | 1.21% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NC 10087 | KAISER FOUNDATION HEALTH PLAN HI | $377 | $50 | $427 | 3.47% |
| PETERSON, CARL J3 | 29 S MAIN ST STE 215 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $811 | — | $811 | 46.96% |
| LRI, LLC DBA LINDBERG AND RIPPLE3 Filed as: LRI LLC DBA LINDBERG AND RIPPLE | 29 S MAIN ST STE 311 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $801 | $801 | 46.38% |
| M FINANCIAL HOLDING INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $93 | $93 | 5.39% |
| LINDBERG & RIPPLE INC3 | 29 SOUTH MAIN ST WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 25.74% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $23 | $23 | 1.95% |
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 | 13,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,222 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 2,480 | $12.3M |
| Vision | VISION SERVICE PLAN | 10,004 | $1.5M |
| Life insurance | AMERICAN FAMILY LIFE INSURANCE COMPANY | 13,434 | $0 |
| Long-term disability(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,414 | $4.0M |
| Prescription drug(3 contracts, 3 carriers) | QUARTZ HEALTH PLANS INSURANCE CORPORATION | 3,504 | $22.2M |
| Other(12 contracts, 9 carriers) | UNITED HEALTHCARE INSUARNCE COMPANY | 1,501 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,434 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.