| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E HENEHAN FIN & INS SVCS INC3 Filed as: JOSEPH E HENEHAN | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 924083550 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $45K | $51K | 4.53% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | SERVICES, LLC 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511814 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $11K | $12K | 1.10% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | $49K | $104K | 9.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY ROAD SUITE 800 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 9.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 3.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | VISION SERVICE PLAN | $21K | — | $21K | 9.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1 CONCOURSE PARKWAY NORTHEAST SUITE 700 ATLANTA, GA 30328 | ACE AMERICAN INSURANCE COMPANY | $25K | — | $25K | 14.35% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $603 | $5K | 3.79% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1 | $1K | 0.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $8K | $34K | 40.45% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $5K | $23K | 39.59% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $4K | $16K | 39.87% |
| NATIONAL INSURANCE MARKETING BROKER3 | 2650 MCCORMICK DRIVE CLEARWATER, FL 33759 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | — | $4K | 9.18% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 234662937 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 4,107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 92 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.8M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.1M |
| Vision(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,454 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,156 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,942 | $903K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 66 | $651K |
| Other(8 contracts, 5 carriers) | ACE AMERICAN INSURANCE COMPANY | 3,214 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,214 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.