| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY | $562K | $12K | $573K | 20.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $219K | $0 | $219K | 7.69% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $47K | $47K | 1.64% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INSURANCE SVCS, LLC | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $43K | $43K | 1.52% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $64K | $0 | $64K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $0 | $86K | 6.08% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51K | $51K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $195 | $195 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $36K | $0 | $36K | 5.58% |
| DAVIDSON JAMES DUNCAN3 | 1820 EAST FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223K | $0 | $223K | 43.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95K | $0 | $95K | 18.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $11K | $0 | $11K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | $0 | $6K | 4.96% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 17.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | $0 | $5K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $11K | $335 | $11K | 14.63% |
| EMPYREAN BENEFITS3 | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | $0 | $312 | $312 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $0 | $168 | $168 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN LOVELAND, OH 45140 | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | TRIPLE S SALUD, INC. | $4K | $0 | $4K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 7410096 CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $716 | $0 | $716 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $3K | $80 | $3K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $433 | $0 | $433 | 10.01% |
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 | 3,958 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 118 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 3,958 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,679 | $1.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 3,170 | $275K |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,176 | $3.4M |
| Short-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,176 | $3.5M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,176 | $2.8M |
| Prescription drug | TRIPLE S SALUD, INC. | 11 | $71K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,176 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,176 | — |
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.