| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLD ROAD ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | $84K | $49K | $133K | 3.95% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $2K | $14K | 0.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $108 | $48K | 6.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65K | $6K | $71K | 12.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 2.95% |
| UNKNOWN3 | UNKNOWN FAIRPORT, NY 14450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 1.74% |
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 | 2,750 | 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) | 2,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,278 | $358K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,492 | $3.9M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,492 | $3.4M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,492 | $3.4M |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,750 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,750 | — |
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."
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.