| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | PO BOX 2940 TACOMA, WA 98401 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $24K | $61K | 3.07% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $53K | $0 | $53K | 16.38% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 2.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.23% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | PO BOX 2940 TACOMA, WA 98401 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 5.16% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 11.79% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 2.73% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | BLUE CROSS AND BLUE SHIELD OF LOUISIANNA | $2K | $0 | $2K | 4.19% |
| ROBERT D AHEARN3 Filed as: ROBERT AHEARN | 13646 MORNINGSIDE DRIVE YUCAIPA, CA 92399 | AFLAC | $2K | $51 | $2K | 14.43% |
| RANA JANE DENNIS3 Filed as: RANA DENNIS | 9375 ARCHIBALD AVENUE, SUITE 302 RANCHO CUCAMONGA, CA 91730 | AFLAC | $208 | $0 | $208 | 1.60% |
| ARLICE C. MARSHALL3 Filed as: ARLICE MARSHALL | 23709 BLACKBIRD CIRCLE MORENO VALLEY, CA 92557 | AFLAC | $163 | $12 | $175 | 1.34% |
| MARIAN E LENCIONI3 Filed as: MARIAN LENCIONI | 30065 WILDWOOD PLACE SAND SPRINGS, OK 74063 | AFLAC | $131 | $0 | $131 | 1.00% |
| DAVID SMITH3 | 2001 EAST FINANCIAL WAY, SUITE 200 GLENDORA, CA 91741 | AFLAC | $76 | $12 | $88 | 0.67% |
| AARON D MCGOVERN3 Filed as: AARON MCGOVERN AND OTHER AGENTS | 1794 AVENIDA REGINA SAN MARCOS, CA 92069 | AFLAC | $50 | $0 | $50 | 0.38% |
| LIVERMORE & ASSOCIATES INC3 Filed as: LIVERMORE & ASSOCIATES, INC. | 9570 CENTER AVENUE RANCHO CUCAMONGA, CA 91730 | AFLAC | $21 | $0 | $21 | 0.16% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | PO BOX 2940 TACOMA, WA 98401 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | $128 | $1K | 12.33% |
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 | 641 | 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) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $2.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 223 | $106K |
| Vision | HUMANA INSURANCE COMPANY | 223 | $95K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 641 | $325K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 641 | $338K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 641 | $325K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $2.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 641 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.