| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FWY. SUITE 500 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $242K | $246K | 4.66% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. FL 24 CINCINNATI, OH 452022701 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $108K | $108K | 2.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $91K | $91K | 2.55% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $134K | — | $134K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $1K | $70K | 2.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731299 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $48K | $48K | 1.70% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, INC. | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300K | — | $300K | 14.61% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW JR. | 187 S CULVER ST. LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL JR. | 2311 W. CONE BLVD. #110 GREENSBORO, NC 27408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $861 | — | $861 | 0.04% |
| ALFRED E DEVINE3 Filed as: ALFRED E. DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $407 | — | $407 | 0.02% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 1.70% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 231 S BEMISTON SUITE 400 SAINT LOUIS, MO 63105 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $77K | — | $77K | 10.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731299 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $16K | $16K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD. SUITE 408 BINGHAM FARMS, MI 480255708 | HEALTH ALLIANCE PLAN | $25K | — | $25K | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | HEALTH ALLIANCE PLAN | $8K | — | $8K | 1.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MASSACHUSETTS | 53 STATE STREET BOSTON, MA 021092820 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.01% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202640 DALLAS, TX 753202617 | LEGALPLANS USA | $36K | — | $36K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $8K | $41K | 11.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.55% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 9.38% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 8.72% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 9.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.55% |
| MASTER UNUM ENROLL3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.46% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 7.35% |
| ADMINISTRATORS ADVISORY GROUP3 Filed as: ADMINISTRATORS ADVISORY GROUP INC. | PO BOX 549 DELAND, FL 32721 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER - BINGHAM FARMS | 30150 TELEGRAPH RD. SUITE 408 BINGHAM FARMS, MI 48025 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $879 | $879 | 2.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $837 | $837 | 2.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $562 | — | $562 | 1.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $543 | — | $543 | 2.13% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $419 | — | $419 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD. SUITE 408 BINGHAM FARMS, MI 480255708 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $400 | — | $400 | 1.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 10.01% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON RD. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $151 | $2K | 12.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $102 | $102 | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD WARRINGTON, PA 18976 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 9.96% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $116 | $116 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD. BINGHAM FARMS, MI 480255708 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $517 | — | $517 | 7.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $154 | — | $154 | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2601 CAMBRIDGE COURT, SUITE 435 AUBURN HILLS, MI 48326 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $58 | — | $58 | 0.85% |
| AP BENEFIT ADVISORS, LLC3 | 772 LITITZ PIKE LITITZ, PA 17543 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $484 | — | $484 | 10.01% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $304 | $304 | 6.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $104 | $104 | 2.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $46 | $46 | 1.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $197 | — | $197 | 8.02% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $26 | $26 | 1.70% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $16 | $16 | 1.68% |
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 | 16,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 529 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 648 | $16.2M |
| Dental(6 contracts, 5 carriers) | HIGHMARK INC. | 12,116 | $9.9M |
| Vision(9 contracts, 4 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 23,118 | $1.2M |
| Life insurance(16 contracts, 7 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 24,364 | $9.6M |
| Short-term disability(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $754K |
| Long-term disability(14 contracts, 6 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 12,455 | $5.2M |
| Prescription drug(4 contracts, 3 carriers) | HIGHMARK INC. | 591 | $7.9M |
| Other(12 contracts, 10 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 24,364 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,364 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.