| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $203K | — | $203K | 11.92% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INS AGENCY INC | 2990 INNSBRUCK DR. REDDING, CA 960039303 | RELIASTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 0.35% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY. CLEVELAND, OH 441431500 | RELIASTAR LIFE INSURANCE COMPANY | — | $742 | $742 | 0.04% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 3.18% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY. CLEVELAND, OH 441431500 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 0.60% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INSURANCE | 2990 INNSBRUCK DR. REDDING, CA 960039303 | RELIASTAR LIFE INSURANCE COMPANY | — | $4K | $4K | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 2.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
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 | 5,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 238 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 191 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $30K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 8,317 | $525K |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 8,688 | $2.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,042 | $761K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 191 | $1.3M |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,688 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,688 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.