| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 891024397 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | $0 | $92K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1350 TREAT BLVD. SUITE 550 WALNUT, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $27 | $80K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $65K | $65K | 0.90% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: PRESIDIO BENEFITS GROUP INC. | 142 SANSOME STREET FLOOR 4 SAN FRANCISCO, CA 941043705 | METROPOLITAN LIFE INSURANCE COMPANY | -$26 | -$3 | -$29 | -0.00% |
| ROBYN L PIPER3 Filed as: ROBYN L. PIPER | 1162 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 92130 | ALLSTATE | $466K | $0 | $466K | 17.35% |
| ROBERT C. FRAZIER JR.3 | 155 N. RIVERVIEW SUITE 308 ANAHEIM, CA 92808 | BLUE CROSS OF CALIFORNIA | $36K | $0 | $36K | 3.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $18K | $18K | 1.99% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY & JONES BENEFITS INC. | 818 W RIVERSIDE #800 SPOKANE, WA 99201 | GROUP HEALTH COOPERATIVE | $6K | $0 | $6K | 2.84% |
| ROBERT C. FRAZIER JR.3 Filed as: ROBERT FRAZIER | 8181 E. KAISER BLVD ANAHEIM, CA 928082214 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $14K | $0 | $14K | 10.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | ONE WORLD FINANCIAL CENTRE 200 LIBERTY STREET, 7TH FLOOR BROOKLYN, NY 11245 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 5.06% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY & JONES BENEFITS | 818 W RIVERSIDE #800 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $985 | $0 | $985 | 4.61% |
| KIMBERLEY JO TALMAGE3 | 10211 W. SAMPLE RD SUITE 209 CORAL SPRINGS, FL 33065 | UNITED DENTAL CARE OF COLORADO, INC. | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 5500 CHEROKEE AVE SUITE 300 ALEXANDRIA, VA 22312 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS. USA INC | 1350 TREAT BLVD. SUITE 550 WALNUT, CA 945977999 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| KIMBERLEY JO TALMAGE3 | 10211 W. SAMPLE RD. SUITE 209 CORAL SPRINGS, FL 33065 | UNION SECURITY INSURANCE COMPANY | $972 | $0 | $972 | 10.00% |
| LILLIAN J SZEGO3 | 1530 DOGWOOD PL LOS ANGELES, CA 900421208 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 13.66% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC, | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $536 | $159 | $695 | 17.51% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $198 | $198 | 4.99% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.48% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $475 | $127 | $602 | 17.39% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $173 | $173 | 5.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.52% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD. SUITE 300 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $411 | $110 | $521 | 19.01% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $137 | $137 | 5.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.58% |
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 | 6,204 | 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) | 6,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,496 | $35.9M |
| Dental(6 contracts, 6 carriers) | DELTA DENTAL OF CALIFORNIA | 2,956 | $865K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,598 | $638K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,176 | $7.3M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,176 | $7.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,176 | $7.2M |
| Prescription drug(10 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,245 | $27.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,176 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,176 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.