| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $230K | — | $230K | 3.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SVC INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 1.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES (BOSTON) | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 491814 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 3.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV, INC. | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 017722123 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 1.71% |
| MARCH USA, INC.3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 5.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV, INC. | 1200 N MAYFAIR RD STE 1001200N MILWAUKEE, WI 532263283 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 419814 BOSTON, MA 022419110 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 3.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV, INC. | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 017722123 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 6.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV, INC. | PO BOX 43 STE 1001200N MILWAUKEE, WI 532263283 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC BOSTON | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTHCARE OF CALIFORNIA | $2K | — | $2K | 5.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SVC INC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | CIGNA HEALTHCARE OF CALIFORNIA | $493 | — | $493 | 1.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES (BOSTON) | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTHCARE OF CALIFORNIA | $366 | — | $366 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 6.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV, INC. | 1200 N MAYFAIR RD STE 1001200N MILWAUKEE, WI 532263283 | RELIASTAR LIFE INSURANCE COMPANY | $723 | — | $723 | 3.92% |
| RUTH A ANDERSON4 | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $605 | — | $605 | 6.09% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE SERV INC. | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $543 | — | $543 | 5.47% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN INSURANCE AGE LLC | PO BOX 12748 ROANOKE, VA 24028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $540 | — | $540 | 5.44% |
| STOVALL & ASSOCIATES INC.4 Filed as: STOVALL & ASSOC., INC. | 114 MARITIME CT CHOCOWINITY, NC 27817 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 0.41% |
| DORSEY & ASSOCIATES, INC.3 Filed as: DORSEY & ASSOC. INC | 1655 VINERY AVE CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $885 | $80 | $965 | 16.35% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $321 | — | $321 | 6.18% |
| RUTH A ANDERSON4 Filed as: RUTH ANDERSON | 331 S FAYETTEVILLE ST CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $310 | — | $310 | 5.97% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $252 | — | $252 | 4.85% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,730 | $8.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,730 | $6.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,730 | $6.8M |
| Life insurance(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 309 | $479K |
| Short-term disability(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 309 | $479K |
| Long-term disability(3 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 309 | $479K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,730 | $7.8M |
| Other(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 309 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,730 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.