| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $127K | — | $127K | 5.54% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $58K | — | $58K | 2.52% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $231K | — | $231K | 42.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $333 | — | $333 | 0.06% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | TRANSAMERICA LIFE INSURANCE COMPANY | $259 | — | $259 | 0.05% |
| LARRY K. ANDERS3 Filed as: LARRY K ANDERS, SUMMIT ALLIANCE | 14785 PRESTON ROAD SUITE 1000 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $221 | — | $221 | 0.04% |
| DOMENIC SALVATO3 | 500 OFFICE CENTER DRIVE 4TH FLOOR FORT WASHINGTON, PA 19034 | TRANSAMERICA LIFE INSURANCE COMPANY | $77 | — | $77 | 0.01% |
| MICHAEL C CHAPMAN3 | 2150 PORTWOOD WAY FORT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | $5K | $7K | 1.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | -$1K | — | -$1K | -0.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 16.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $830 | — | $830 | 3.34% |
| KACHATURIAN ENTERPRISES INC3 Filed as: KACHATURIAN ENTERPRISES, INC | 530 S 161ST CIRCLE OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 1.85% |
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 | 5,883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 4,476 | $4.5M |
| Vision | VISION SERVICE PLAN | 4,099 | $816K |
| Life insurance | STANDARD INSURANCE COMPANY | 6,353 | $2.3M |
| Short-term disability | STANDARD INSURANCE COMPANY | 6,353 | $2.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,353 | $2.3M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 6,615 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,615 | — |
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.