| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87K | $87K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $0 | $46K | $46K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.00% |
| BARENS, KRISTIN, LUCILLE3 | 14380 S CADDIS CT JACKSON, WY 83001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | $2K | $51K | 10.10% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $8K | $42K | 8.32% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15K | $15K | 2.95% |
| MULLIN BARENS SANFORD FINANCIAL3 | 1421 EMERSON AVE OXNARD, CA 93033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $11K | $11K | 2.19% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $652 | $8K | 1.49% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $144 | $144 | 0.03% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.20% |
| BARENS, KRISTIN, LUCILLE3 | 14380 S CADDIS CT JACKSON, WY 83001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.18% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $572 | $572 | 1.81% |
| PEACOCK, GEORGE, JOSEPH3 | 3624 RAYMOND ST CHEVY CHASE, MD 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 1.18% |
| MULLIN BARENS SANFORD FINANCIAL3 | 1421 EMERSON AVE OXNARD, CA 93033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $247 | $1K | 12.59% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $632 | $158 | $790 | 7.48% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $278 | $278 | 2.63% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $15 | $113 | 1.07% |
| BARENS, KRISTIN, LUCILLE3 | 14380 S CADDIS CT JACKSON, WY 83001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $36 | $501 | 7.07% |
| MULLINTBG INSURANCE AGENCY SERVICES3 | 33174 COLLECTION CENTER DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $18 | $315 | 4.44% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $54 | $270 | 3.81% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $148 | $148 | 2.09% |
| MULLIN BARENS SANFORD FINANCIAL3 | 1421 EMERSON AVE OXNARD, CA 93033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $99 | $99 | 1.40% |
| BARENS, KRISTIN, LUCILLE3 | 14380 S CADDIS CT JACKSON, WY 83001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $314 | $170 | $484 | 16.79% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $313 | $80 | $393 | 13.64% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $171 | $171 | 5.93% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $110 | $110 | 3.82% |
| MULLIN BARENS SANFORD FINANCIAL3 | 1421 EMERSON AVE OXNARD, CA 93033 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $80 | $80 | 2.78% |
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 | 8,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 380 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,700 | 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 | 886 | $5.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,773 | $404K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,018 | $5.3M |
| Long-term disability(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,081 | $3.9M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,256 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,018 | — |
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.