| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET S, SUITE 102 BIRMINGHAM, AL 35233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $135K | $0 | $135K | 4.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $111K | $0 | $111K | 3.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $85K | $0 | $85K | 2.77% |
| ASSOCIA3 | 5401 N. CENTRAL EXPRESSWAY SUITE 225 DALLAS, TX 75205 | METLIFE LEGAL PLANS, INC | $5K | — | $5K | 5.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS, INC | $3K | — | $3K | 4.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATION INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | METLIFE LEGAL PLANS, INC | — | $30 | $30 | 0.04% |
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 | 3,811 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 199 | $3.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 5,122 | $2.1M |
| Vision | VISION SERVICE PLAN | 3,579 | $490K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,811 | $3.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,811 | $3.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,811 | $3.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 199 | $3.3M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,811 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,122 | — |
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.