| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $542 | $542 | 0.05% |
| BENEFIT EDUCATORS LLC Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.14% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.66% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $771 | $0 | $771 | 0.27% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 27.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 749140 ATLANTA, GA 30374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 14.11% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 127 | $1.1M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 127 | $1.1M |
| Vision | VISION SERVICE PLAN | 320 | $45K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 650 | $287K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 650 | $287K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 127 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 650 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.