| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $241K | — | $241K | 10.00% |
| BENE RE LLC3 | 5217 MONROE STREET SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $193K | $193K | 8.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | COMBINED INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 4.90% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE, LLC | 5775 GLENRIDGE DRIVE BUILDING E, SUITE 500 ATLANDTA, GA 30328 | COMBINED INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.60% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | ARAG INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| BENE RE LLC5 | 3150 N REPUBLIC BLVD SUITE 1 TOLEDO, OH 43615 | ARAG INSURANCE COMPANY | — | $13K | $13K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 55 EAST 52ND STREET NEW YORK, NY 10055 | HARTFORD LIFE AND ACCIDENT | $372 | — | $372 | 15.01% |
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 | 14,604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 16,594 | $4.9M |
| Vision | VISION SERVICE PLAN | 7,922 | $952K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,604 | $6.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,671 | $6.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,671 | $6.3M |
| Other(7 contracts, 7 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 14,604 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,594 | — |
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.