| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METLIFE INSURANCE COMPANY | $0 | $18K | $18K | 0.65% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $54K | — | $54K | 12.04% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $27K | — | $27K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $17K | — | $17K | 3.81% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $26K | — | $26K | 6.21% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ENVISION INSURANCE COMPANY | $9K | — | $9K | 2.21% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE DENTAL | $906 | — | $906 | 1.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $125K |
| WILLIS TOWERS WATSON'S ONEEXCHANGE EIN 26-0775680 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $122K |
| EXPRESS SCRIPTS EIN 43-1420563 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $8K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,747 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 190 | $447K |
| Dental | COMPANION LIFE INSURANCE DENTAL | 176 | $88K |
| Life insurance | METLIFE INSURANCE COMPANY | 2,724 | $2.7M |
| Prescription drug | ENVISION INSURANCE COMPANY | 190 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,724 | — |
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."
No prospect flags tripped on this filing.