| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | P.O BOX 85638 SAN DIEGO, CA 921865638 | SYMETRA LIFE INSURANCE COMPANY | $101K | $30K | $131K | 12.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 75 REMITTANCE DRIVE, SUITE 6123 CHICAGO, IL 606756123 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | — | $68K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 75 REMITTANCE DRIVE, SUITE 6123 CHICAGO, IL 606756123 | HEALTH NEW ENGLAND, INC. | $22K | — | $22K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $39K | $6K | $45K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $35K | $5K | $40K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $21K | $3K | $24K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $16K | $2K | $18K | 9.49% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $126K | $10K | $135K | 88.53% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $120K | $9K | $129K | 96.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $5K | $710 | $6K | 9.49% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | HYATT LEGAL PLANS | $5K | $1K | $6K | 12.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $4K | $531 | $4K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $1K | $183 | $1K | 9.49% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | — | $487 | 5.93% |
| RONALD E MCCURRY3 | 425 G STREET, SUITE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 1.89% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G STREET, SUITE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Direct payment from the plan; Claims processing Service code 12 | — | $690K |
| GSA NATIONAL EIN 11-3335620 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $530K |
| BENEFITFOCUS.COM, INC. EIN 57-1099948 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $98K |
| DISCOVERY BENEFITS, INC. EIN 90-0058554 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $36K |
| HOMES, LOWRY, HORN & JOHNSON, LTD EIN 54-0975470 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| BRAIN POWER SOFTWARE LLC THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 113 WAPPOO CREEK DR CHARLESTON, SC 29412 | $15K |
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 | 4,394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,428 | $2.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $1.5M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 2,692 | $498K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,692 | $470K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 133 | $743K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,687 | $1.0M |
| Other(12 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,692 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,692 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.