| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $59K | $61K | 4.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $920 | $31K | $32K | 2.19% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 12.41% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 22.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVE 10TH FLOOR BOSTON, MA 02116 | EYEMED VISION CARE | $396 | — | $396 | 6.87% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $157 | — | $157 | 2.72% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $790 | $241 | $1K | 17.98% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.4M |
| Vision | EYEMED VISION CARE | 97 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $25K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.