| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $37K | — | $37K | 9.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PAID TO-EDWARD P. GLADYSZ 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 2.70% |
| MARIA PULIDO3 Filed as: MARIA T. FUENTES | 1200 SW 145TH AVENUE SUITE 140A PEMBROKE PINES, FL 33027 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $648 | $11K | 6.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD LOCKBOX 741738 ATLANTA, GA 30346 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.52% |
| RONDA L. HERMAN3 | 4120 DOUGLAS BLVD. SUITE 306-413 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $450 | $7K | 6.94% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD ATLANTA, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.48% |
| BRYCE W. EDDY3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 4.25% |
| MARY VALDIVIESO3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | KAISER FOUNDATION HEALTH PLAN INC. | $774 | — | $774 | 0.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $5K | — | $5K | 5.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $4K | — | $4K | 4.79% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIAM DRIVE SUITE 200 CAMDEN, NJ 08103 | FLORIDA HEALTH CARE PLANS | $4K | — | $4K | 5.00% |
| ANGELA MARIE IRIZARRY3 | 27758 SANTA MARGARITA PARKWAY PMB 158 MISSION VIEJO, CA 92691 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 4.63% |
| ANGELA MARIE IRIZARRY3 Filed as: ANGELA MARIE IRAZARRY | 27758 SANTA MONICA MARGARITA PKWY PMB 157 MISSION VIEGO, CA 92691 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 4.89% |
| ANGELA MARIE IRIZARRY3 | 27758 SANTA MARGARTIA PARKWAY PMB 157 MISSION VIEJO, CA 92691 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 5.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN, INC. | 721 S PARKER STREET SUITE 300 ORANGE, CA 928684732 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 2.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $230 | $4K | 6.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD LOCKBOX 741738 ATLANTA, GA 30346 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1560 SAWGRASS CORPORATE PARKWAY SUITE 240 SUNRISE, FL 33323 | FLORIDA HEALTH CARE PLANS, INC. | $3K | — | $3K | 5.00% |
| BRYCE W. EDDY3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | UNITEDHEALTHCARE OF CALIFORNIA | $2K | — | $2K | 4.30% |
| MARY VALDIVIESO3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | UNITEDHEALTHCARE OF CALIFORNIA | $354 | — | $354 | 0.70% |
| RHONDA L. HERMAN3 | 4120 DOUGLAS BLVD. SUITE 306-413 GRANITE BAY, CA 95746 | WESTERN ADVANTAGE | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 95746 | WESTERN ADVANTAGE | $1K | — | $1K | 3.00% |
| RONDA L. HERMAN3 | 4120 DOUGLAS BLVD SUITE 306-413 GRANITE BAY, CA 95746 | SUTTER HEALTH | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUTTER HEALTH | $1K | — | $1K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.77% |
| MARY VALDIVIESO3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | ANTHEM BLUE CROSS | $2K | — | $2K | 7.49% |
| BRYCE W. EDDY3 | 45825 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | ANTHEM BLUE CROSS | $1K | — | $1K | 4.25% |
| SUMMIT HEALTH INSURANCE3 Filed as: SUMMIT HEALTH INSURANCE SERVICES | 4120 DOUGLAS BLVD. GRANITE BAY, GA 957465936 | AMERITAS | $2K | — | $2K | 10.00% |
| BRYCE W. EDDY3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CA 80237 | HEALTH NET | $730 | — | $730 | 4.25% |
| MARY VALDIVIESO3 | 4582 S. ULSTER STREET SUITE 600 DENVER, CO 80237 | HEALTH NET | $129 | — | $129 | 0.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC. | 9755 PATUXENT WOODS DRIVE SUITE 200 COLUMBIA, MD 21046 | AETNA | $1K | — | $1K | 7.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE. | 701 S PARKER STREET ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $404 | — | $404 | 3.50% |
| ACRISURE LLC3 Filed as: ACRISURE ADVANTAGE SERVICES LLC | PAID TO BETHANY LUEB 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN INC. | $284 | — | $284 | 2.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 12.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NE SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $575 | — | $575 | 5.50% |
| THOMAS OWENS3 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $50 | — | $50 | 0.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $848 | — | $848 | 8.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $538 | — | $538 | 5.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $387 | $25 | $412 | 6.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FEDLWOOD ROAD LOCKBOX 741738 ATLANTA, GA 30346 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $218 | — | $218 | 3.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $595 | $101 | $696 | 11.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SVCS, INC. | 9755 PATUXENT WOODS DRIVE SUITE 200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $433 | — | $433 | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | — | $200 | 7.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | — | $73 | 2.67% |
| PHYLLIS ADAMS3 | 210 N TYRONE ROAD BALTIMORE, MD 212121123 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $103 | — | $103 | 6.87% |
| DONOVAN INSURANCE GROUP INC3 Filed as: DONOVAN INSURANCE GROUP INC. | 1458 WILDERNESS RIDGE TRAIL CROWNSVILLE, MD 210322123 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $30 | — | $30 | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60 | $7 | $67 | 16.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38 | — | $38 | 9.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 701 S PARKER STREET ORANGE, CA 92868 | AMERITAS | $16 | — | $16 | 4.89% |
| ACRISURE LLC3 Filed as: ACRISURE ADVANTAGE SERVICES LLC | PAID TO BETHANY LUEB 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | AMERITAS | $16 | — | $16 | 4.89% |
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 | 882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 68 | $959K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 850 | $379K |
| Vision(4 contracts, 3 carriers) | VISION SERVICE PLAN | 743 | $113K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $114K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 374 | $55K |
| Prescription drug(16 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 68 | $959K |
| Other(10 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.