| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $57K | $57K | 2.27% |
| PACIFIC RESRC BNFT ADVSRS LLC3 Filed as: PACIFIC RESRC BNFT ADVSRS | 75 STATE STE 1710 BOSTON, MA 02109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 1.65% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $13K | $13K | 2.27% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 75 STATE ST STE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.24% |
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 | 7,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $132K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $112K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $112K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 7,255 | $3.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,183 | $1.5M |
| Other(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 7,255 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,255 | — |
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.