| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $718K | — | $718K | 5.44% |
| JEFFREY ELLIS3 | 7144 TULLAMORE INS. FRANKLIN, TN 37067 | KAISER FOUNDATION HEALTH PLAN REGION MA | $81K | — | $81K | 1.23% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | KAISER FOUNDATION HEALTH PLAN REGION MA | $51K | $16K | $67K | 1.02% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N. RANCHO DRIVE LAS VEGAS, NV 89130 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $124K | — | $124K | 1.97% |
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $188K | — | $188K | 4.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $42K | $42K | 0.94% |
| REDTAIL LTD3 | 9999 BREWSTER LANE SUITE 100 POWELL, OH 43065 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $71K | $76K | 2.51% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HEALTH NEW ENGLAND | ONE MONARCH PLACE SUITE 1500 SPRINGFIELD, MA 01144 | BLUE TARP REDEVELOPMENT | $60K | — | $60K | 2.21% |
| AUBREY L. BRANCH3 | 1720 SILENT SUNSET AVENUE NORTH LAS VEGAS, NV 89084 | RELIASTAR LIFE INSURANCE COMPANY | $276K | — | $276K | 17.62% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $73K | — | $73K | 5.49% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 7.01% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 4.77% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 4.22% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | METLIFE LEGAL PLANS | $47K | — | $47K | 10.35% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE AND HEALTH INSURANCE | $16K | — | $16K | 7.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINES, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE | — | $11K | $11K | 5.54% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE | $9K | $888 | $10K | 5.03% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 N RANCHO DRIVE LAS VEGAS, NV 89130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.08% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $169 | $1K | 189.58% |
| REDTAIL LTD3 Filed as: REDTAIL LTD DBA BENEFIT ADMIN. | 9999 BREWSTER LANE SUITE 100 POWELL, OH 430657573 | METROPOLITAN LIFE INSURANCE COMPANY | $544 | — | $544 | 71.77% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $857 | $140 | $997 | 286.49% |
| REDTAIL LTD3 Filed as: REDTAIL LTD DBA BENEFIT ADMIN. | 9999 BREWSTER LANE SUITE 100 POWELL, OH 430657573 | METROPOLITAN LIFE INSURANCE COMPANY | $367 | — | $367 | 105.46% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 4.31% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $149 | $1K | 413.21% |
| REDTAIL LTD3 Filed as: REDTAIL LTD DBA BENEFIT ADMIN. | 9999 BREWSTER LANE SUITE 100 POWELL, OH 430657573 | METROPOLITAN LIFE INSURANCE COMPANY | $526 | — | $526 | 157.96% |
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 | 25,653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 880 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN REGION MA | 1,408 | $29.2M |
| Dental(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | 13,152 | $13.1M |
| Vision(8 contracts, 2 carriers) | EYEMED VISION CARE | 26,312 | $1.3M |
| Life insurance(7 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,634 | $16.5M |
| Short-term disability(5 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,634 | $14.5M |
| Long-term disability(7 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,634 | $16.5M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN REGION MA | 1,408 | $20.2M |
| Other(9 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,634 | $18.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,312 | — |
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."
No prospect flags tripped on this filing.