| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC& H LIFE AGENCY INC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $0 | $74K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $58 | $19K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.59% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 152222602 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 5.05% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE STE 750 PITTSBURGH, PA 152221224 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $331 | $2K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH MARSH MCLENNAN | 3331 W BIG BEAVEER STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 3.11% |
| EBENEFITS GROUP NORTHEAST, LLC3 Filed as: EBENEFITS GROUP NORTHEAST LLC | 30 MILL STREET UNIONVILLE, CT 06085 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 770273295 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $64 | $16K | 7.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.23% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER JACOBS CASSAYRE &GRIFFIN INC | 3200 VILLA LN NAPA, CA 945583017 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 5.47% |
| HCSC3 | 300 E RANDOLPH ST CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $0 | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $4K | $0 | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MINNESOTA | $8K | $0 | $8K | 10.89% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS,INC. | $2K | $0 | $2K | 7.04% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | DELTA DENTAL OF TENNESSEE | $2K | $0 | $2K | 7.50% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER JACOB CASSAYRE & GRIFFIN INC | 3200 VILLA LN NAPA, CA 94558 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $900 | $0 | $900 | 5.33% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 146204648 | AMERITAS LIFE INSURANCE CORP | $1K | $91 | $1K | 10.91% |
| 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 | $1K | $0 | $1K | 15.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | SAFEGUARD HEALTH PLANS,INC., A TEXAS CORPORATION | $0 | $176 | $176 | 2.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $59 | $0 | $59 | 2.42% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES INC. | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 370277508 | VISION SERVICE PLAN | $56 | $0 | $56 | 2.30% |
| JULIE BALGOOYEN3 | 565 BW WESTERN AVENUE PO BOX 975 MUSKEGON, MI 49441 | PRIORITY HEALTH | $4 | $0 | $4 | 1.53% |
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 | 32,803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | AETNA LIFE INSURANCE COMPANY | 536 | $3.6M |
| Dental(24 contracts, 10 carriers) | AETNA LIFE INSURANCE COMPANY | 3,341 | $7.7M |
| Vision(23 contracts, 8 carriers) | AETNA LIFE INSURANCE COMPANY | 3,341 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,341 | — |
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.