| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMI3 | 700 CENTRAL PARKWAY STUART, FL 34994 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2005 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.69% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE, INC. | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | $0 | $19K | 3.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | $0 | $8K | 1.50% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE, INC. | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $63 | $11K | 3.92% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE, INC. | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.39% |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 38 | $533K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 738 | $291K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 738 | $291K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 460 | $581K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 460 | $581K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 38 | $533K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 460 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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.