| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $371K | — | $371K | 20.18% |
| AON CONSULTING INC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65K | — | $65K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162K | $81K | $244K | 13.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | $65K | $195K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 0.25% |
| 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 | $9K | $470 | $9K | 10.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC | 5600 WEST 83RD STREET 8200 TOWER SUITE 1000 MINNEAPOLIS, MN 55437 | HYATT LEGAL PLANS | — | $147 | $147 | 0.17% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $663 | — | $663 | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 1.23% |
| DAVIDSON JAMES DUNCAN3 Filed as: DAVIDSON, JAMES, DUNCAN | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92868 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE L BROWN | 5558 CALIFORNIA AVE BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.60% |
| PATRICIA R WESTBAY3 | 14012 RESERVE COURT BAKERSFIELD, CA 93314 | TRANSAMERICA LIFE INSURANCE COMPANY | $722 | — | $722 | 14.55% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $509 | — | $509 | 10.26% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE SUITE 310 BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $253 | — | $253 | 5.10% |
| JACQUELINE D VAN SCYOC3 | 841 MOHAWK SUITE 170 BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $478 | — | $478 | 13.01% |
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 | 19,976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SANFORD HEALTH PLAN | 583 | $5.6M |
| Dental | TRANSAMERICA LIFE INSURANCE COMPANY | 9 | $4K |
| Vision | VISION SERVICE PLAN | 5,057 | $760K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 15,212 | $3.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,870 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,284 | $1.1M |
| Prescription drug(4 contracts, 4 carriers) | SANFORD HEALTH PLAN | 583 | $5.6M |
| Other(6 contracts, 6 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 15,212 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,212 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.