| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 600 HIGHWAY 169 S, STE. 1200 ST LOUIS PARK, MN 554261268 | KAISER FOUNDATION HEALTH PLAN INC. | $84K | — | $84K | 4.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 90 S CASCADE AVE 2ND FLOOR COLORADO SPRINGS, CO 80903 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $17K | $836 | $18K | 2.93% |
| CLINTO GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | HUMANA INSURANCE COMPANY | $76K | — | $76K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $41K | — | $41K | 8.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 S. DENTON TAP RD, STE 100 COPPELL, TX 75019 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 3.00% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | TRANSAMERICA LIFE INSURANCE COMPANY | $60K | — | $60K | 18.28% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | — | $22K | 6.76% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | UNION SECURITY INSURANCE COMPANY | $55K | — | $55K | 20.11% |
| MARK G SQUIRES3 | 845 W SAN ANOTNION ST, STE. 100 NEW BRAUNFELS, TX 781307905 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 12.68% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $58 | — | $58 | 11.93% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $15 | — | $15 | 3.09% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 S. DENTON TAP RD, STE. 100 COPPELL, TX 75019 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $5 | — | $5 | 1.03% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S MCCARRAN BVLD, STE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $5 | — | $5 | 1.03% |
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 | 6,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,699 | $3.1M |
| Vision | EYEMED VISION CARE | 10,200 | $508K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,392 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,392 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,392 | $2.6M |
| Other(5 contracts, 5 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,392 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,200 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.