| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 2.88% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST LLC 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 303261234 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $5K | $47K | 18.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.95% |
| MULLIN TBG INS AGENCY SERVICES LLC3 | 100 N SEPULVEDA BLVD STE 500 EL SEGUNDO, CA 902455658 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.88% |
| HARRY N LEVITT3 | 23901 CALABASAS RD STE 1015 C/O MCNAIR WOLK LLP CALABASAS, CA 913023376 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 1,723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,137 | $953K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,137 | $953K |
| Vision | VISION SERVICE PLAN | 1,067 | $259K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 1,723 | $844K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,707 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,137 | $953K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,137 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,137 | — |
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.