| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH & LIFE INS COMPANY | — | -$4K | -$4K | -2.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE | 200 LIBERTY ST NY, NY 10281 | NATIONAL UNION FIRE INS CO | $1K | — | $1K | 25.01% |
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 | 12,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 235 | $1.8M |
| Dental | CIGNA HEALTH & LIFE INS COMPANY | 561 | $150K |
| Vision(2 contracts, 2 carriers) | UNITEDHEATHCARE INS CO | 2,383 | $570K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE | 5,639 | $1.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,632 | $654K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,632 | $571K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 235 | $1.8M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE | 12,787 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,787 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.