| 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 | $207K | $100K | $307K | 4.20% |
| 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 | $139K | $139K | 1.91% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $282K | $0 | $282K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN L. PIPER | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | ALLSTATE WORKPLACE DIVISION | $84K | $0 | $84K | 11.30% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106K | $0 | $106K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107K | $0 | $107K | 24.90% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87K | $0 | $87K | 20.16% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 4.98% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56K | $0 | $56K | 20.00% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 17.74% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | $0 | $36K | 14.34% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.55% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | $0 | $42K | 20.26% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 16.20% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.06% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 W SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 18.01% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 14.35% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER R. MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.58% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 25.27% |
| ROBYN L PIPER3 Filed as: ROBYN LEIGH PIPER | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $788 | $17K | 22.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF WASHINGTON | $1K | $0 | $1K | 4.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1350 TREAT BLVD. SUITE 550 WALNUT CREEK, CA 94597 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 400 HIGHWAY 169 S., 8TH FLOOR ST. LOUIS PARK, MN 55426 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $583 | $0 | $583 | 10.00% |
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 | 15,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 184 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,345 | $29.2M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 2,021 | $581K |
| Vision | VISION SERVICE PLAN | 6,862 | $803K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,932 | $7.7M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,932 | $7.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,932 | $7.3M |
| Prescription drug(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,961 | $20.7M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,932 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,932 | — |
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.