| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE 1446 ACCT 30215288 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $25K | $108K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 0.36% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $614K | $45K | $659K | 37.54% |
| MMGRI LLC3 | 4500 WESTOWN PARKWAY STE 150 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $63K | $69K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | $662 | $2K | $3K | 0.28% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHEAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $723 | $723 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 0.47% |
| AON CONSULTING INC3 | — | ALLSTATE WORKPLACE DIVISION | $41K | — | $41K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ALLSTATE WORKPLACE DIVISION | $10 | — | $10 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $566 | $566 | 0.21% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $7K | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | $371 | $381 | $752 | 0.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | 5600 WEST 83RD STREET 8200 TOWER SUITE 1000 MINNEAPOLIS, MN 55437 | HYATT LEGAL PLANS | $7K | $79 | $7K | 7.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDONNELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | HYATT LEGAL PLANS | $2K | — | $2K | 2.24% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH NORTH AMERICA | — | $9K | $9K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | $1K | $2K | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | $39 | $171 | $210 | 0.40% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $628 | $628 | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY, LLC CO 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE L BROWN | 5558 CALIFORNIA AVE BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 39.39% |
| PATRICIA R WESTBAY3 | 14012 RESERVE COURT BAKERSFIELD, CA 93314 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 29.09% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 19.95% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE SUITE 310 BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.78% |
| JACQUELINE D VAN SCYOC3 | 841 MOHAWK SUITE 170 BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $183 | — | $183 | 1.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 17.30% |
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 | 18,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SANFORD HEALTH PLAN | 596 | $4.5M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,863 | $3.6M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,659 | $576K |
| Life insurance(5 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 14,432 | $3.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $267K |
| Prescription drug(3 contracts, 3 carriers) | SANFORD HEALTH PLAN | 596 | $4.5M |
| Other(9 contracts, 7 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 18,947 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,947 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.