| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC. | 25 MELVILLE PARK RD, STE 260 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | — | $78K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC. | $41K | — | $41K | 3.41% |
| DELANEY INSURANCE AGENCY INC.3 Filed as: DELANEY INSURANCE AGENCY, INC. | 8231 WHITE OAK AVE RANCHO CUCAMONGA, CA 91730 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | BLUE CROSS OF CALIFORNIA | $22K | — | $22K | 3.43% |
| DELANEY INSURANCE AGENCY INC.3 | PO BOX 1737 RANCHO CUCAMONGA, CA 91729 | BLUE CROSS OF CALIFORNIA | $7K | — | $7K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | ATTN ACCOUNTING 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 1.96% |
| FNA INS SERVICES INC3 Filed as: FNA INS. SERVICES INC. | 1000 WOODBURY RD, SUITE 403 WOODBURY, NY 11797 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 2.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | DOMINION NATIONAL | $18K | — | $18K | 10.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.65% |
| DELANEY INSURANCE AGENCY INC.3 | 8231 WHITE OAK AVE RANCHO CUCAMONGO, CA 91730 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP INC. | DBA BENEFITSCONNECT INS. 3101 ZINFANDEL DR., STE 200 RANCHO CORDOVA, CA 95670 | UNION SECURITY INSURANCE COMPANY | $182 | — | $182 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | 5.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 9.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRING DR., NO. 500 BETHESDA, MD 20817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 17.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UDC DENTAL OF CALIFORNIA, INC. | $3K | — | $3K | 6.80% |
| DELANEY INSURANCE AGENCY INC.3 | 8231 WHITE OAK AVE RANCHO CUCAMONGO, CA 91730 | UDC DENTAL OF CALIFORNIA, INC. | $2K | — | $2K | 3.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $300 | $4K | 9.90% |
| DELANEY INSURANCE AGENCY INC.3 | 8231 WHITE OAK RANCHO CUCAMONGA, CA 91730 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 8.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 15.44% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE, STE B BELTSVILLE, MD 20705 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $935 | — | $935 | 7.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET NEW YORK, NY 10281 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $125 | — | $125 | 1.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UDC DENTAL OF CALIFORNIA, INC. | $804 | — | $804 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $84 | $1K | 16.25% |
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 | 1,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 774 | $7.6M |
| Dental(7 contracts, 5 carriers) | DOMINION NATIONAL | 691 | $385K |
| Vision(3 contracts, 2 carriers) | DOMINION NATIONAL | 691 | $302K |
| Life insurance(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,051 | $374K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,051 | $327K |
| Other(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,051 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,051 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.