| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $232K | $144K | $375K | 2.81% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 17100 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $209K | $64K | $273K | 2.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $94K | — | $94K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $120K | $77K | $197K | 2.68% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $120K | $37K | $156K | 2.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 0.74% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643K | — | $643K | 12.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487K | — | $487K | 9.64% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 0.60% |
| FRANK ZACCANELLI3 | 1201 ELM STREET #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 0.25% |
| ANDREW H NEPORENT3 Filed as: ANDREW HARRIS KING NEPORENT | 1201 ELM STREET #3800 DALLAS, TX 75270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 0.13% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 0.01% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON RD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $108K | — | $108K | 2.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $92K | — | $92K | 2.33% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $32K | $24K | $56K | 2.57% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 17100 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $41K | $11K | $53K | 2.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 0.80% |
| WILLIS TOWERS WATSON US LLC3 | 600 UNIVERSITY ST. #3100 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $519 | $519 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $10K | $3K | $13K | 1.55% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $2K | $58 | $2K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 1.37% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $1K | $3K | $4K | 0.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.41% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST., STE. 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $379 | $2K | $2K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $814 | $578 | $1K | 0.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $553 | — | $553 | 0.39% |
| WILLIS TOWERS WATSON US LLC3 | 600 UNIVERSITY ST. #3100 SEATTLE, WA 98101 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
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 | 48,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,229 | $22.0M |
| Vision | VISION SERVICE PLAN | 27,028 | $3.9M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 53,730 | $22.9M |
| Long-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 53,730 | $22.9M |
| Prescription drug(10 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,229 | $19.9M |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 48,323 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,730 | — |
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."
No prospect flags tripped on this filing.