| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM RUSSELL BLAKELY & ASSOC3 Filed as: WILLIAM WATSON | 735 BROAD STREET STE 100 CHATTANOOGA, TN 37402 | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | $64K | — | $64K | 3.32% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | PO BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 6.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32100 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.38% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 6.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 2.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2211 7TH AVE S SUITE 650 BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 18.97% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $295 | $295 | 0.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 18.95% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $297 | $297 | 0.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $12K | 18.93% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | 196 SOUTH FIR STREET VENTURA, CA 93002 | ANTHEM BLUE CROSS | $1K | — | $1K | 9.85% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | 196 SOUTH FIR STREET VENTURA, CA 93002 | ANTHEM BLUE CROSS | $1K | — | $1K | 9.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2211 7TH AVE. S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $290 | $1K | 18.88% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | 331 | $2.3M |
| Dental(3 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | 331 | $2.0M |
| Vision(3 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF TENNESSEE, INC. | 331 | $2.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $101K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $66K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.