| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $20K | $67K | 11.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $44K | $44K | 7.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $14K | $42K | 7.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76K | $0 | $76K | 30.11% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 7.71% |
| MJ INSURANCE3 Filed as: LIZ CORIO AND VARIOUS AGENTS | 77 CREST ROAD COLD SPRING, NY 10516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 6.76% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 4.00% |
| MICHAEL CAREY3 | 959 SOUTH PLANK ROAD SLATE HILL, NY 10973 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 3.06% |
| SAMANTHA A QUINN3 Filed as: SAMANTHA A. QUINN | 10765 CENTENNIAL DRIVE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.73% |
| CYNTHIA FLOOD3 | 71 ELVIS BOULEVARD CHESTER, NY 10918 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.84% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $432 | $0 | $432 | 0.53% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $202 | $0 | $202 | 0.25% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 20.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.76% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $665 | $665 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 10.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 19087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $535 | $535 | 2.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL PARK BRAINTREE, MA 02184 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $106 | $106 | 0.43% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $629 | $0 | $629 | 5.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $379 | $0 | $379 | 3.59% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $254 | $0 | $254 | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | $0 | $77 | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $22 | $22 | 0.21% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | FIRST UNUM LIFE INSURANCE COMPANY | $629 | $0 | $629 | 8.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | FIRST UNUM LIFE INSURANCE COMPANY | $358 | $0 | $358 | 5.07% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | FIRST UNUM LIFE INSURANCE COMPANY | $206 | $0 | $206 | 2.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL PARK, SUITE 310 BRAINTREE, MA 02184 | FEDERAL INSURANCE COMPANY | $624 | $17 | $641 | 15.45% |
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 | 955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 721 | $82K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 955 | $667K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 220 | $253K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 955 | $594K |
| Other(6 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,663 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,663 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.