| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $35K | $3K | $38K | 9.98% |
| JAMES C VANDERWAAL3 | 2751 CENTERVILLE ROAD, SUITE 301 WILMINGTON, DE 19808 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $23K | $0 | $23K | 6.50% |
| EVANS CONGER BROUSSARD3 | 300 CONSHOHOCKEN STATE ROAD SUITE 405 CONSHOHOCKEN, PA 19428 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $23K | $0 | $23K | 6.50% |
| CHRISTEN GROUP INC.3 Filed as: CHRISTEN INSURANCE, INC. | UNKNOWN NEW YORK, NY 10023 | TRIPLE S SALUD, INC. | $12K | $0 | $12K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 10.01% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $697 | $10K | 12.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 823239 PHILADELPHIA, PA 19182 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $577 | $8K | 14.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 39000 SAN FRANCISCO, CA 94139 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $6K | $0 | $6K | 10.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 64 MONROE AVENUE NW, SUITE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $773 | $773 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $27 | $27 | 0.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $3K | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 14.53% |
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 | 2,300 | 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) | 2,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 73 | $421K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 91 | $62K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,004 | $132K |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,566 | $519K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,560 | $356K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 73 | $421K |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 2,300 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,300 | — |
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.
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.