| 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 | $10K | $10K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | P O BOX 350 CONSHOHOCKEN, PA 194280350 | METLIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | P O BOX 350 CONSHOHOCKEN, PA 194280350 | METLIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $48K | — | $48K | 12.22% |
| KEENAN SUGG BOWERS ELKINS, LLC3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $24K | — | $24K | 6.10% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.63% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $22K | — | $22K | 5.89% |
| KEENAN SUGG BOWERS ELKINS, LLC5 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ENVISION INSURANCE COMPANY | $8K | — | $8K | 2.16% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE DENTAL | $3K | — | $3K | 4.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON LLC EIN 26-0775680 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $126K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 INS-SVCS | Direct payment from the plan; Insurance services Service code 23 | — | $102K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 ACCNTG | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $76K |
| EXPRESS SCRIPTS EIN 43-1420563 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $6K |
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 | 2,737 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 154 | $394K |
| Dental | COMPANION LIFE INSURANCE DENTAL | 163 | $79K |
| Life insurance | METLIFE INSURANCE COMPANY | 2,717 | $2.8M |
| Prescription drug | ENVISION INSURANCE COMPANY | 154 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,717 | — |
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.