| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $169K | $169K | 2.56% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | -$102K | -$102K | -1.55% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | ONE BEACON STREET SUITE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $119K | $26K | $146K | 12.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.25% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | ONE BEACON STREET SUITE 17100 BOSTON, MA 02108 | ARAG INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $14K | $14K | 20.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | ONE BEACON ST STE 17100 BOSTON, MA 02108 | ACE AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 8,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 4,389 | $30.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 27 | $394K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 7,746 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,195 | $6.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,195 | $6.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,195 | $6.6M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 4,389 | $30.5M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,228 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.