| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95K | $0 | $95K | 10.00% |
| SECURIAN FINANCIAL SERVICES3 Filed as: SECURIAN FINANCIAL SERVICES, INC. | 400 ROBERT STREET NORTH SAINT PAUL, MN 55101 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 7.69% |
| BRIAN MCNULTY3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 6.52% |
| WEALTH ENHANCEMENT GROUP3 | 1100 ABERNATHY ROAD, SUITE 500 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 2.66% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES, INC. | 355 ALHAMBRA CIRCLE, SUITE 1550 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.19% |
| JOYN ATLANTA, INC.3 | 1100 ABERNATHY ROAD, SUITE 500 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.69% |
| JEREMY ROBERT BIRD AND OTHER AGENTS3 | 2850 GOLF ROAD, GBS LIFE 11TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.44% |
| FIRST HEARTLAND CORPORATION3 | 4101 LAKE SAINT LOUIS BOULEVARD LAKE SAINT LOUIS, MO 63367 | STANDARD INSURANCE COMPANY | $738 | $0 | $738 | 0.26% |
| USI INSURANCE SERVICES LLC3 | 360 COLUMBIA DRIVE, SUITE 105 WEST PALM BEACH, FL 33409 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $422 | $0 | $422 | 3.78% |
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 | 1,546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,409 | $951K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,409 | $951K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,409 | $1.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3 | $11K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,098 | $975K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,098 | — |
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.