| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT ROBERT BOGSETH3 Filed as: KURT R BOGSETH | 1245 JORDAN CREEK PKWY STE 200 WEST DES MOINES, IA 50266 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.82% |
| KENNETH C YARBROUGH3 | 3224 LANIER DR NE ATLANTA, GA 30319 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.83% |
| PACIFIC ADVISORS LLC3 | THE GUARDIAN LIFE INSURANCE COMPANY 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.20% |
| JOHN DRISCOLL AND COMPANY, INC.3 Filed as: JOHN DRISCOLL AND COMPANY INC | 5050 N 40TH STREET SUITE 350 PHOENIX, AZ 85018 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.83% |
| WILLIS TOWERS WATSON US LLC Filed as: WTW NORTHEAST INC | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 25.00% |
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 | 1,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 2,298 | $174K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,350 | $321K |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,350 | $379K |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,403 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,298 | — |
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.