| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $175K | $193K | 3.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 CROWN COLONY DRIVE, SUITE 308 QUINCY, MA 02169 | SYMETRA LIFE INSURANCE COMPANY | $22K | $14K | $36K | 14.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | — | $1K | 6.01% |
| GALLAGHR BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $200 | $0 | $200 | 2.94% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE AND OTHER AGENTS | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC | $103 | $0 | $103 | 1.51% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $93 | $0 | $93 | 1.37% |
| ALLAN H. MARKOWITZ3 | 21996 SW TIVOLO WAY PORT SAINT LUCIE, FL 34986 | AFLAC | $56 | $0 | $56 | 0.82% |
| VINCENT MORELLI3 | 75 HUMBOLDT STREET, SUITE 1 EAST RUTHERFORD, NJ 07073 | AFLAC | $55 | $0 | $55 | 0.81% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $50 | $0 | $50 | 0.73% |
| DAVID M. HRKACH3 | PO BOX 10202 LAHAINA, HI 96761 | AFLAC | $34 | $0 | $34 | 0.50% |
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 | 828 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 172 | $5.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 172 | $5.3M |
| Vision | VISION SERVICE PLAN | 133 | $19K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $252K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 9 | $258K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $252K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 172 | $5.3M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.