| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SECURIAN LIFE INSURANCE COMPANY | $48K | — | $48K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INSURANCE | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36K | — | $36K | 7.33% |
| DOUGLAS PRIDGEN3 | 30A VREELAND ROAD FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 56 LIVINGSTON AVE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $6K | $25K | 5.09% |
| DOUGLAS PRIDGEN | 55 MADISON AVE STE 400 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 56 LIVINGSTON AVE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $17K | 5.10% |
| DOUGLAS PRIDGEN3 | 55 MADISON AVE STE 400 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CONTRACT ADMINISTRATOR | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $1.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $170K |
| BROWN & BROWN METRO INSURANCE EIN 22-3451205 CONSULTANT | Consulting (general) Service code 16 | — | $170K |
| CONEXIS EIN 20-0198855 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $19K |
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 | 2,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,782 | $553K |
| Dental | AETNA LIFE INSURANCE COMPANY | 5 | $46K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 1,609 | $305K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 2,171 | $1.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $485K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 666 | $335K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,782 | $531K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,782 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,782 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.