| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON TRAIL CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 6.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $563 | $563 | 0.13% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.06% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP SOUTH, SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.99% |
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.70% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | PO BOX 203550 AUSTIN, TX 78720 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $640 | $3K | 10.20% |
| ENTERTAINMENT BENEFITS GROUP, LLC3 | 19495 BISCAYNE BOULEVARD, SUITE 300 AVENTURA, FL 33180 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $993 | $0 | $993 | 3.13% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $325 | $0 | $325 | 1.02% |
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 | 1,643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 252 | $200K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,146 | $34K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,606 | $420K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,606 | $420K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,606 | $420K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 252 | $200K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,643 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,643 | — |
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."
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.