| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | $990K | $30K | $1.0M | 4.20% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | BLUE CROSS OF CALIFORNIA | $337K | $0 | $337K | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | BLUE CROSS OF CALIFORNIA | $182K | $0 | $182K | 0.75% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | METROPOLITAN LIFE INSURANCE COMPANY | $286K | $0 | $286K | 7.09% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, MA 33323 | METROPOLITAN LIFE INSURANCE COMPANY | $142K | $38K | $180K | 9.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $907 | $22K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, MA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $33 | $18K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, MA 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 101 BOSTON, MA 02199 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, MA 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $80 | $80 | 0.00% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | KAISER FOUNDATION HEALTH PLAN, INC. | $68K | $0 | $68K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN, INC. | $36K | $0 | $36K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN, INC. | $85 | $0 | $85 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $62K | $70K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | $0 | $22K | 5.57% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $0 | $24K | 12.00% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 8.00% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 220 SUNRISE, FL 33323 | METLIFE LEGAL PLANS OF FLORIDA | $5K | $0 | $5K | 7.27% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $4K | $0 | $4K | 10.49% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS INC A CALIFORNIA CORPORATION | $2K | $0 | $2K | 5.17% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | $1K | $0 | $1K | 13.46% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLAN INC A TEXAS CORPORATION | $440 | $0 | $440 | 4.92% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 39.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS INC A TEXAS CORPORATION | $676 | $0 | $676 | 12.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | HPHC JOINT VENTURE UHG | $60 | $0 | $60 | 1.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | 100 FRONT STREET WORCESTER, MA 01608 | HPHC JOINT VENTURE UHG | $20 | $0 | $20 | 0.43% |
| INSIGHT BUSINESS & INSURANCE3 Filed as: INSIGHT BUSINESS & INS SOLUT, INC. | 1300 SAWGRASS CORPORATE PARKWAY SUITE 160 SUNRISE, FL 33323 | SAFEGUARD HEALTH PLANS INC A CALIFORNIA CORPORATION | $417 | $0 | $417 | 11.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS OF FLORIDA | $12 | $0 | $12 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE, SUITE 100 BUILDING 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $4 | $4 | — |
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 | 7,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 7,032 | $27.9M |
| Dental(11 contracts, 7 carriers) | BLUE CROSS OF CALIFORNIA | 9,351 | $31.6M |
| Vision(5 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 9,351 | $31.5M |
| Life insurance(4 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 9,351 | $30.1M |
| Short-term disability(4 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 9,351 | $30.1M |
| Long-term disability(4 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 9,351 | $30.1M |
| Prescription drug(6 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 7,032 | $27.7M |
| Other(8 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 17,419 | $30.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,419 | — |
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.