| 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 | $336K | — | $336K | 19.44% |
| 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 | $69K | $42K | $110K | 6.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118K | $24K | $142K | 9.68% |
| 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 | $42K | $12K | $54K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $19K | $112K | 9.69% |
| 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 | $33K | $10K | $43K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $11K | $65K | 9.56% |
| 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 | $22K | $7K | $29K | 4.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $13K | — | $13K | 17.00% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $577 | — | $577 | 1.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 1.13% |
| DAVIDSON JAMES DUNCAN3 Filed as: DAVIDSON, JAMES, DUNCAN | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92868 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $667 | — | $667 | 21.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE L BROWN | 5558 CALIFORNIA AVE BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 1.27% |
| PATRICIA R WESTBAY3 | 14012 RESERVE COURT BAKERSFIELD, CA 93314 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 1.27% |
| ADVANBEN MIDATLANTIC, LLC3 | ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | — | $18 | 0.99% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE SUITE 310 BAKERSFIELD, CA 93309 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.50% |
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 | 17,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SANFORD HEALTH PLAN | 594 | $5.8M |
| Dental | TRANSAMERICA LIFE INSURANCE COMPANY | 7 | $3K |
| Vision | VISION SERVICE PLAN | 5,008 | $724K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9,411 | $2.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,142 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,939 | $682K |
| Prescription drug(4 contracts, 4 carriers) | SANFORD HEALTH PLAN | 594 | $5.8M |
| Other(6 contracts, 6 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9,411 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,411 | — |
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.