| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $66K | $114K | $179K | 1.52% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | $90K | $155K | 2.59% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $93K | $162K | $255K | 6.29% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.08% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $891 | $891 | 0.09% |
| LEIGH BALDWIN3 | 1200 BROADWAY APT 2416 NASHVILLE, TN 37203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306K | — | $306K | 36.56% |
| DOC N REESE3 | 830 CASTLE HEIGHT AVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79K | — | $79K | 9.48% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIR LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74K | — | $74K | 8.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO INC | PO BOX 195556 SAN JUAN, PR 009195556 | TRIPLE S SALUD, INC. | $36K | — | $36K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 52242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $103K | — | $103K | 18.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 3.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $81K | — | $81K | 17.71% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 4.04% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $29K | — | $29K | 9.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 19.18% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO INC | PO BOX 195556 SAN JUAN, PR 009195556 | DELTA DENTAL OF PUERTO RICO, INC | $4K | — | $4K | 8.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 17.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 17.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 12.03% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.87% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 18.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 18.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 18.08% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 77024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $63 | — | $63 | 0.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 17.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $597 | — | $597 | 10.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $168 | — | $168 | 2.88% |
| EMPLOYEE BENEFIT SYSTEMS3 | 10000 MEMORIAL DR STE 800 HOUSTON, TX 770243419 | METLIFE INSURANCE COMPANY | $1K | — | $1K | 21.14% |
| BENEFIT RESEARCH CORPORATION3 | PO BOX 1950 COPPELL, TX 750191903 | METLIFE INSURANCE COMPANY | $97 | — | $97 | 2.01% |
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 | 30,833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 655 | $28.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $838K |
| Vision | VISION SERVICE PLAN | 19,646 | $4.3M |
| Life insurance(6 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 29,432 | $16.0M |
| Short-term disability(6 contracts) | STANDARD INSURANCE COMPANY | 1,071 | $676K |
| Long-term disability(8 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,358 | $7.3M |
| Prescription drug(13 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 655 | $27.7M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 669 | $40K |
| Other(11 contracts, 9 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 30,923 | $11.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,923 | — |
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.