| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $133K | $0 | $133K | 9.07% |
| MARSH & MCLENNAN AGENCY LLC3 | DALLAS ON WALNUT HILL 8144 WALNUT HILL LN DALLAS, TX 75231 | RELIASTAR LIFE INSURANCE COMPANY | $57K | $0 | $57K | 3.91% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $133 | $133 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, VA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $18K | $85K | 8.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC FKA SLIA INC | PO BOX 9465 NEW YORK, NY 10087 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 LOCKBOX 491814 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 4.72% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $270 | $270 | 0.05% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 672 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 672 | $993K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 672 | $993K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,798 | $1.5M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,798 | $1.5M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,798 | $1.5M |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 672 | $2.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,798 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,798 | — |
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.
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.