| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $97K | $55K | $152K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC4 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 5.43% |
| PAMELA HOOD4 | 12620 HAW BRANCH LANE AMELIA COURT HOUSE, VA 23002 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 4.17% |
| ALAN ROMAN4 | 7220 PRINCETON AVE ST. LOUIS, MO 63130 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $178 | $0 | $178 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 HAMILTON AVE, STE 930 WHITE PLAINS, NY 10601 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $154 | $0 | $154 | 0.18% |
| PEAK PERFORMANCE GROUP LLC3 | 7501 BOULDER VIEW DR, STE. 220 NORTH CHESTERFIELD, VA 23225 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | $0 | $77 | 0.09% |
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 | 1,614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $729K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,969 | $3.3M |
| Vision | VISION SERVICE PLAN | 1,485 | $197K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,969 | $3.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,969 | $3.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,969 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,969 | — |
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.