| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BEENFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $937 | $12K | 2.75% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 5 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 3.01% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD FL 5 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 1.57% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 500 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.26% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 500 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.96% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 500 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $992 | $992 | 1.25% |
| SHAWN NORTON3 | 1053 GARRISON LN SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.32% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 5 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $255 | $1K | 3.17% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $125 | $1K | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $337 | $0 | $337 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZE 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $267 | $267 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.06% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 500 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $862 | $0 | $862 | 2.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $374 | $374 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.40% |
| SHAWN NORTON3 | 1053 GARRISON LN SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.97% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $808 | $113 | $921 | 5.35% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 5 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $558 | $226 | $784 | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $278 | $0 | $278 | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZE 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $231 | $231 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 FRONT ST STE 800 WORCESTER, MA 01608 | METROPOLITAN GENERAL INSURANCE COMPANY | $229 | $91 | $320 | 2.29% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS GRP LLC | 626 W JACKSON BLVD STE 500 CHICAGO, IL 60661 | METROPOLITAN GENERAL INSURANCE COMPANY | $152 | $0 | $152 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | MUTUAL OF OMAHA INSURANCE COMPANY | $608 | $0 | $608 | 6.97% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS | GRP LLC 626 W JACKSON BLVD STE 500 CHICAGO, IL 60661 | MUTUAL OF OMAHA INSURANCE COMPANY | $265 | $0 | $265 | 3.04% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $239 | $239 | 2.74% |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 665 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 905 | $431K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 905 | $431K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $101K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 665 | $4.7M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.