| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310K | — | $310K | 19.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | $40K | $40K | 2.50% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCAITES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE 2300 RENAISSANCE BLVD SIOUX FALLS, IA 57103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $150K | $30K | $180K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, IA 57103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114K | $23K | $137K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, IA 57103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $12K | $69K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $12K | — | $12K | 17.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $723 | — | $723 | 1.00% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $472 | — | $472 | 1.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.07% |
| DAVIDSON JAMES DUNCAN3 Filed as: DAVIDSON, JAMES, DUNCAN | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92868 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | ZURICH NORTH AMERICA | $325 | — | $325 | 15.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE L BROWN | 5558 CALIFORNIA AVE BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | — | $19 | 1.25% |
| PATRICIA R WESTBAY3 | 14012 RESERVE COURT BAKERSFIELD, CA 93314 | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | — | $19 | 1.25% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | — | $15 | 0.98% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE SUITE 310 BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.46% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 108 | $1.2M |
| Vision | VISION SERVICE PLAN | 4,604 | $680K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8,714 | $2.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,412 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,885 | $579K |
| Prescription drug(2 contracts, 2 carriers) | HMSA | 108 | $1.2M |
| Other(6 contracts, 6 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8,714 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,714 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.