| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $217K | $27 | $217K | 2.99% |
| 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 | $100K | $100K | 1.38% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $251K | $0 | $251K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN L. PIPER | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | ALLSTATE | $115K | $0 | $115K | 13.09% |
| BENEFIT GUARANTY LLC3 | 725 LOWNDES HILL RD GREENVILLE, SC 29601 | ALLSTATE | $16 | $0 | $16 | 0.00% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | ALLSTATE | $134K | $0 | $134K | 22.48% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE | $107K | $0 | $107K | 17.94% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR NASHVILLE, TN 37204 | ALLSTATE | $27K | $0 | $27K | 4.49% |
| ROBERT C. FRAZIER JR.3 | 155 N. RIVERVIEW SUITE 308 ANAHEIM, CA 92808 | BLUE CROSS OF CALIFORNIA | $22K | $0 | $22K | 3.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $11K | $11K | 1.97% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110K | $0 | $110K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | ALLSTATE | $114K | $0 | $114K | 29.30% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | ALLSTATE | $92K | $0 | $92K | 23.44% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR. NASHVILLE, TN 37204 | ALLSTATE | $23K | $0 | $23K | 5.86% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | $0 | $52K | 20.00% |
| ROBERT C. FRAZIER JR.3 Filed as: ROBERT FRAZIER | 8181 E. KAISER BLVD ANAHEIM, CA 928082214 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $11K | $0 | $11K | 8.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $542 | $68 | $610 | 0.45% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 27.56% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $869 | $9K | 25.26% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 4000 TOWN CTR, STE. 800 SOUTHFIELD, MI 48075 | UNITED DENTAL CARE OF COLORADO, INC. | $1K | $0 | $1K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER US INC. | PO BOX 730212 DALLAS, TX 75378 | UNITED DENTAL CARE OF COLORADO, INC. | $569 | $0 | $569 | 2.56% |
| KIMBERLEY JO TALMAGE3 | 10211 W. SAMPLE RD SUITE 209 CORAL SPRINGS, FL 33065 | UNITED DENTAL CARE OF COLORADO, INC. | $531 | $0 | $531 | 2.39% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY & JONES BENEFITS | 818 W RIVERSIDE #800 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $762 | $0 | $762 | 3.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF WASHINGTON | $166 | $0 | $166 | 0.81% |
| BRIDGE STREET CONSULTING3 | 1350 TREAT BLVD. SUITE 550 WALNUT CREEK, CA 94597 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE USA INC. | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | UNION SECURITY INSURANCE COMPANY | $524 | $0 | $524 | 5.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER INC. | PO BOX 730182 DALLAS, TX 753730182 | UNION SECURITY INSURANCE COMPANY | $265 | $0 | $265 | 2.77% |
| KIMBERLEY JO TALMAGE3 | 10211 W. SAMPLE RD. SUITE 209 CORAL SPRINGS, FL 33065 | UNION SECURITY INSURANCE COMPANY | $257 | $0 | $257 | 2.69% |
| LILLIAN J SZEGO3 | 1530 DOGWOOD PL LOS ANGELES, CA 900421208 | STANDARD INSURANCE COMPANY | $588 | $0 | $588 | 7.94% |
| 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 | $500 | $0 | $500 | 10.00% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC, | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $411 | $118 | $529 | 11.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS. USA INC. | 1350 TREAT BLVD., STE. 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | $0 | $190 | 4.21% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $148 | $148 | 3.28% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $79 | $79 | 1.75% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD. SUITE 300 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $391 | $104 | $495 | 12.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS. USA INC. | 1350 TREAT BLVD., STE. 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $215 | $0 | $215 | 5.32% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $130 | $130 | 3.22% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $55 | $55 | 1.36% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | $96 | $456 | 11.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 1350 TREAT BLVD., STE. 550 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $158 | $0 | $158 | 4.14% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $125 | $125 | 3.27% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD SUITE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $69 | $69 | 1.81% |
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 | 10,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 4,173 | $30.0M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 2,233 | $696K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,692 | $773K |
| Life insurance(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,116 | $7.7M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,116 | $7.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,116 | $7.3M |
| Prescription drug(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,027 | $20.7M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,116 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,116 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.