| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $20K | $82K | 6.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, MARSH MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $25K | $0 | $25K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, MARSH MCLENNAN | 3331 W. BIG BEAVER SUITE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $28K | — | $28K | 5.22% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVE STE 750 PITTSBURGH, PA 152221224 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $4K | $28K | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SERVICE | 4371 LATHAM ST STE101 RIVERSIDE, CA 925011731 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $154 | $154 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 770273295 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $41 | $7K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITSACA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 3.07% |
| EBENEFTS GROUP NORTHEAST LLC3 | 30 MILL STREET UNIONVILLE, CT 06085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.26% |
| JULIE BALGOOYEN3 | 565 B W WESTERN AVENUE PO BOX 975 MUSKEGON, MI 49441 | PRIORITY HEALTH | $7K | $0 | $7K | 2.97% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER JACOB CASSAYRE & GRIFFIN INC | 3200 VILLA LANE NAPA, CA 945583017 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $9K | $17K | 8.49% |
| HCSC3 | 300 E RANDOLPH ST CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELDS OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONIO | TWO PIERCE PLACE GALLAGHER CENTER ITASCA, IL 601435506 | HUMANA DENTAL INSURANCE COMPANY | $8K | $7K | $15K | 12.35% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 7.50% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVE SUITE 750 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $4K | $0 | $4K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 4300 MARKETPOINTE DR SUITE 600 BLOOMINGTON, MN 55435 | DELTA DENTAL OF MINNESOTA | $6K | $0 | $6K | 8.27% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 370277508 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.21% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL & ASSOCIATES | 613 BALTIMORE DRIVE WILKES-BARRE, PA 18702 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 5.73% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $883 | $9K | 16.59% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER JACOB CASSAYRE & GRIFFIN INC | 3200 VILLA LANE NAPA, CA 94558 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $0 | $2K | 5.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $6K | $5 | $6K | 16.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAAST GALBRAITH ROAD SUITE102 CINCINNATI, OH 45236 | DENTAL CARE PLUS INC | $2K | $0 | $2K | 7.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 770273295 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $3K | $0 | $3K | 9.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 101 LARKSPUR LANDING CIR STE 120 LARKSPUR, CA 949391749 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $251 | $251 | 0.93% |
| ALLIANCE BENEFITS & COMPENSATION3 | 7253 PRESERVATION COURT SUITE 200 FULTON, MD 20759 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $617 | $0 | $617 | 2.78% |
| GROUP BENEFIT SERVICES, INC. (GBS)3 Filed as: GROUP BENEFIT SERVICES INC (GBS) | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $229 | $0 | $229 | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $56 | $0 | $56 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 782324 SAN ANTONIO, TX 78278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC (LA) | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.03% |
| HOWELL BENEFIT SERVICES INC3 Filed as: HOWELL & ASSOCIATES | 613 BALTIMORE DRIVE WILKES-BARRE, PA 18702 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $781 | $0 | $781 | 4.51% |
| GROUP INSURANCE SERVICES INC3 | BC BS OF TN 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $546 | $0 | $546 | 9.23% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | DEPT 133667 PO BOX 3900 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY | $338 | $106 | $444 | 11.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH LLC EIN 33-0052273 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | HEALTH AND HUMAN RESOURCE CENTER 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $28K |
| CERIDIAN CORPORATION EIN 81-1114266 TPA | Other services; Claims processing; Contract Administrator Service code 12 | — | $23K |
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 | 32,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | HEALTHAMERICA OF PENNSYLVANIA, INC. | 1,124 | $15.5M |
| Dental(41 contracts, 16 carriers) | AETNA LIFE INSURANCE COMPANY | 2,166 | $9.9M |
| Vision(49 contracts, 9 carriers) | AETNA LIFE INSURANCE COMPANY | 2,473 | $6.2M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 115 | $532K |
| Other(10 contracts, 9 carriers) | BLUE CARE NETWORK OF MICHIGAN | 3,627 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,627 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.