| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | $24K | $83K | 6.83% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 152221224 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $4K | $30K | 6.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH MARSH MCLENNAN | 3331 W BIG BEAVER STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SERVICE | PO BOX 2158 RIVERSIDE, CA 925162158 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $373 | $373 | 0.11% |
| EBENEFITS GROUP NORTHEAST, LLC3 Filed as: EBENEFITS GROUP NORTHEAST LLC | 30 MILL STREET UNIONVILLE, CT 06085 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.10% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER JACOB CASSAYRE & GRIFFIN INC | 3200 VILLA LN NAPA, CA 945583017 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 5.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE1600 HOUSTON, TX 770273295 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $41 | $7K | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $9K | $16K | 9.51% |
| JULIE BALGOOYEN3 | 565 BW WESTERN AVENUE PO BOX 975 MUSKEGON, MI 49441 | PRIORITY HEALTH | $5K | — | $5K | 2.98% |
| HCSC3 | 300 E RANDOLPH ST CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $6 | $6 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $7K | — | $7K | 6.91% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 3.77% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $904 | — | $904 | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | 4300 MARKETPOINTE DR SUITE 600 BLOOMINGTON, MN 55435 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 13.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SERVICES USA INC | PO BOX 203312 DALLAS, TX 753203312 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 4.98% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 7.50% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 6.76% |
| 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 | — | $2K | 4.63% |
| 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 | $5K | $0 | $5K | 22.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | SAFEGUARD HEALTH PLANS, INC, A TEXAS CORPORATION | $0 | $436 | $436 | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARYBENEFITS, LLC | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE BATON ROUGE, LA 70810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | — | $614 | $614 | 6.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 PLAN ADMINISTRATOR | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $52K |
| LIFEWORKS US INC. PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 201 17TH ST NW SUITE 630 ATLANTA, GA 30363 | $28K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $6K |
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 | 35,819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 318 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | AETNA LIFE INSURANCE COMPANY | 561 | $6.0M |
| Dental(32 contracts, 11 carriers) | AETNA LIFE INSURANCE COMPANY | 7,298 | $11.3M |
| Vision(31 contracts, 8 carriers) | AETNA LIFE INSURANCE COMPANY | 2,645 | $6.7M |
| Other(12 contracts, 8 carriers) | COMPSYCH | 3,205 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,298 | — |
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."
No prospect flags tripped on this filing.