| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $288K | $288K | 2.26% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE BOULEVARD SUITE 225 SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE COMPANY | $1.8M | $0 | $1.8M | 17.71% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE COMPANY | $1.7M | $0 | $1.7M | 16.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $149K | $149K | 1.88% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | PO BOX 203550 AUSTIN, TX 78720 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $18K | $20K | 1.69% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $4K | $6K | 0.52% |
| ENTERTAINMENT BENEFITS GROUP, LLC3 | 19495 BISCAYNE BOULEVARD, SUITE 300 AVENTURA, FL 33180 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $812 | $0 | $812 | 0.07% |
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 | 47,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 247 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 13,005 | $2.8M |
| Vision | VISION SERVICE PLAN | 31,284 | $8.7M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 47,072 | $12.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47,494 | $7.9M |
| Other(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 47,072 | $24.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,494 | — |
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.