| 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 | REALISTAR LIFE INSURANCE COMPANY | $253K | $0 | $253K | 33.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | REALISTAR LIFE INSURANCE COMPANY | $98K | $0 | $98K | 12.86% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INSURANCE SVCS, LLC | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | REALISTAR LIFE INSURANCE COMPANY | $0 | $43K | $43K | 5.70% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | REALISTAR LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 3.77% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE GROUP | $24K | $0 | $24K | 33.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE GROUP | $10K | $0 | $10K | 14.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 99.07% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INSURANCE SVCS, LLC | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 54.48% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 58 | $291K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $33K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $33K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE GROUP | 1,286 | $71K |
| Short-term disability | REALISTAR LIFE INSURANCE COMPANY | 637 | $759K |
| Other | REALISTAR LIFE INSURANCE COMPANY | 637 | $759K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,286 | — |
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.