| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDATLANTIC AVE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $24K | $24K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDATLANTIC AVE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDATLANTIC AVE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $10K | $2K | $12K | 11.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $163 | $8K | 13.79% |
| GIS BENEFITS INC3 | 422 WAUPONONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $801 | $3K | 5.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $627 | $627 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.19% |
| GIS BENEFITS INC3 | 422 WAUPONONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $68 | $68 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 ATTN ACCOUTNING DEPT BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$41 | -$41 | -0.07% |
| BB&T INSURANCE SERVICES, INC. Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE BUFFALO, NY 14202 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 19.45% |
| WEB TPA Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PARKWAY S SUITE 400 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $5K | $5K | 8.98% |
| AMWINS Filed as: AMWINS GROUP BENEFITS INC | 8505 FREEPORT PKWY S SUITE 500 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $5K | $5K | 8.98% |
| WEB TPA Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PARKWAY S SUITE 400 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.76% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| NEW BENEFITS | 14240 PROTON RD DALLAS, TX 75244 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 11.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $233 | $233 | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $106 | $106 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $485 | $49 | $534 | 16.52% |
| PATRICK KIRCHNER | 422 WAUPONSEE ST C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $549 | $6K | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $734 | $4K | — |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $123 | $123 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | — |
| BB&T INSURANCE SERVICES, INC. Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 ATTN ACCOUTNING DEPT BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | -$163 | -$161 | — |
| PATRICK KIRCHNER | 422 WAPONSEE ST C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | — |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $278 | $278 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | — |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $105 | $105 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | — |
| BB&T INSURANCE SERVICES, INC. Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 ATTN ACCOUTNING DEPT BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | -$18 | -$300 | -$318 | — |
| PATRICK KIRCHNER | 422 WAUPONSEE ST C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $780 | $96 | $876 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $520 | $165 | $685 | — |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $269 | $15 | $284 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | — |
| BB&T INSURANCE SERVICES, INC. Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 ATTN ACCOUTNING DEPT BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$30 | -$30 | — |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | -$1 | — | -$1 | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | -$3 | — | -$3 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $7K |
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 | 655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 668 | $5.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 668 | $5.4M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 668 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 253 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 207 | $101K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 207 | $101K |
| Other(7 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 253 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.