| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 | 1820 E. FIRST ST., STE. 400 SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $256K | $0 | $256K | 9.56% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $144K | $0 | $144K | 5.39% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 9009 WEST LOOP STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $73K | $73K | 2.74% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CALIFORNIA PHYSICIANS SERVICE | $133K | $0 | $133K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | $34 | $114K | 5.89% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61K | $61K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE. 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.23% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $38K | $0 | $38K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $36K | $0 | $36K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 5.04% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST ST., STE. 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $200K | $0 | $200K | 48.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $78K | $0 | $78K | 18.73% |
| ENROLLMENT FIRST INC3 | 6712 DEANE HILL DR. KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | $0 | $14K | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 3.17% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST ST., STE. 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $74K | $0 | $74K | 53.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 22.37% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | $0 | $7K | 5.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD.,STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | $0 | $7K | 6.14% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $5K | $0 | $5K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | $0 | $6K | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $9K | $0 | $9K | 9.34% |
| EMPYREAN BENEFITS3 | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $34 | $34 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $34 | $11K | 14.87% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE. 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $761 | $5K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE. 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.53% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRIPLE S SALUD INC | $3K | $0 | $3K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 28.39% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 12.17% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 13.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $2K | $0 | $2K | 11.55% |
| TRIONFO3 | 333 WEST PIERCE RD., STE. 190 ITASCA, IL 60143 | METLIFE LEGAL PLANS | $1K | $2K | $3K | 27.77% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $533 | $0 | $533 | 9.99% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E. 1ST ST., SUITE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $840 | $0 | $840 | 17.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST., STE. 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $491 | $491 | 10.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $360 | $0 | $360 | 7.50% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 38.60% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 15.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $35 | $0 | $35 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE., STE. 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $9 | $9 | — |
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 | 4,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 7 carriers) | CALIFORNIA PHYSICIANS SERVICE | 299 | $5.8M |
| Dental(5 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 5,636 | $4.7M |
| Vision(4 contracts) | EYEMED | 4,572 | $370K |
| Life insurance(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,466 | $3.3M |
| Short-term disability(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,466 | $2.8M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,466 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 299 | $2.7M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,790 | $1.6M |
| Other(6 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,466 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,636 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.