| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M J INSURANCE INC.3 Filed as: M J INSURANCE INC | PO BOX 3430 CARMEL, IN 46082 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 3.14% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 982060387 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 0.88% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 16.25% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 8.75% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 13.00% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 16.25% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.75% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.00% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $0 | $936 | $936 | 2.00% |
| MJ INSURANCE3 Filed as: MJ INS INC | PO BOX 3430 CARMEL, IN 460823430 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.14% |
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 | 1,314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 145 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $36K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $36K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 373 | $141K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 255 | $61K |
| Other(4 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 373 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.