| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | — | SIMNSA | $13K | $0 | $13K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $117K | $26K | $143K | 81.93% |
| ROBBINS STAR3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | $0 | $44K | 37.52% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $823 | $0 | $823 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1201 W CYPRESS CREEK RD., STE. 130 FORT LAUDERDALE, FL 33309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | $0 | $297 | 0.25% |
| ALKEME INSURANCE SERVICES INC3 | 211 S 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $291 | $0 | $291 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $16K | $6K | $22K | 19.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 13.26% |
| JIM FRENCH3 | 220 SOUTH KING ST., STE. 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $802 | $0 | $802 | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST., STE 200 LEXINGTON, KY 40507 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 31.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1201 W. CYPRESS CREEK, SUITE 1300 FORT LAUDERDALE, FL 33309 | METROPOLITAN GENERAL INSURANCE COMPANY | $211 | $0 | $211 | 1.60% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SIMNSA | 1,012 | $388K |
| Dental(2 contracts, 2 carriers) | SIMNSA | 1,012 | $360K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,012 | $174K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 217 | $320K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 217 | $203K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 217 | $203K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 8 | $27K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,012 | $174K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 217 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.