| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $50K | $50K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.02% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $5K | $18K | 12.13% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.91% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 3.01% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.77% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.29% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $936 | $936 | 1.66% |
| PEACOCK, GEORGE, JOSEPH3 | 3624 RAYMOND ST CHEVY CHASE, MD 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 0.61% |
| CHADWELL, BRIAN, BARTON C/O CHADWEL3 | STE 400 21021 VENTURA BLVD WOODLAND HILLS, CA 91364 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.06% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 24.98% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $726 | $447 | $1K | 16.40% |
| BARENS, KRISTIN, LUCILLE3 Filed as: BARENS, KRISTAN LUCILLE | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.75% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $20 | $20 | 0.28% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $99 | $419 | 10.91% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $37 | $238 | 6.20% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $180 | $180 | 4.69% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $56 | $13 | $69 | 9.40% |
| BARENS, KRISTIN, LUCILLE3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $56 | — | $56 | 7.63% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $24 | $24 | 3.27% |
| MULLIN BARENS SANFORD FINANCIAL3 | 2242 PURDUE AVE LOS ANGELES, CA 90064 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $9 | $9 | 1.23% |
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 | 7,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 452 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 903 | $4.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 0 | $430K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,986 | $3.2M |
| Long-term disability(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 7,095 | $2.7M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,050 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,986 | — |
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.