| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 101 S HANLEY ROAD, SUITE 900 ST. LOUIS, MO 63105 | FIRST CARE, INC. | $154K | $106K | $261K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAIASSANC BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164K | $12K | $176K | 25.18% |
| JUND BRIAN EDWARD3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR,SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| DOHERTY FRANK P3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$26 | — | -$26 | -0.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$299 | — | -$299 | -0.04% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BNFT COMMUNICATION GRP | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$315 | — | -$315 | -0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 11.72% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC, | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.51% |
| SALTER, JAMES F3 | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN | 2300 RENAISSANC BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | — | $33K | 14.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ARAG INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $251 | — | $251 | — |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $88 | $88 | — |
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 | 5,788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST CARE, INC. | 9,529 | $5.3M |
| Long-term disability | FIRST CARE, INC. | 9,529 | $5.3M |
| Other(6 contracts, 5 carriers) | FIRST CARE, INC. | 9,529 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,529 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.