| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $203K | $203K | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MATSONFORD RD 4 RADNOR CORPORATE CTR STE 510 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $78K | — | $78K | 7.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 ATTN - ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $24 | $38K | 4.49% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC. | 270 AVE MUNOZ RIVERA PH1 SAN JUAN, PR 009270000 | TRIPLE S SALUD, INC. | $23K | — | $23K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 5.63% |
| AON CONSULTING INC3 | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INS. CO | $56 | — | $56 | 14.93% |
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 | 5,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,975 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 41 | $602K |
| Dental | TRIPLE S SALUD, INC. | 41 | $465K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 11,049 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,193 | $17.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,298 | $353K |
| Prescription drug | TRIPLE S SALUD, INC. | 41 | $465K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,193 | $19.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,193 | — |
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.