| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $32K | $32K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $437K | $63K | $500K | 11.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.1M | $0 | $1.1M | 44.57% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE # 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | $0 | $341 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 1.12% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $85K | $0 | $85K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $79K | $0 | $79K | 9.31% |
| PLATINUM 1 SOLUTIONS4 | 15871 BURCH ISLAND CT WINTER GARDEN, FL 34787 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | $0 | $8K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.06% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE | 1295 STATE STREET SPRINGFIELD, MA 01111 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $79K | $55K | $134K | 28.07% |
| JOSEPH L DILEO3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $42K | $51K | 10.77% |
| JONATHAN L HOFFMAN3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $35K | $2K | $37K | 7.64% |
| RYAN PATRICK MCNULTY3 | 300 CORPORATE PKWY STE 216N BUFFALO, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $35K | $1K | $36K | 7.52% |
| RONALD F MOSKALA3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.14% |
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 | 18,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,439 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 161 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18,494 | $4.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18,022 | $5.7M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41,506 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,506 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.