| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $566K | $18K | $584K | 6.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | SECURIAN LIFE INSURANCE COMPANY | $96K | $101K | $197K | 2.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 LOCKBOX 123042 DALLAS, TX 753123042 | SECURIAN LIFE INSURANCE COMPANY | — | $77K | $77K | 0.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $171K | $171K | 3.86% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 0.70% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $23K | — | $23K | 6.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $16K | — | $16K | 4.39% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | — | $8K | $8K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | — | $106 | $106 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2580 GOLF RD ROLLING MDWS, IL 600084042 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.78% |
| PAR-DI SERVICES INC3 | PO BOX 3438 TEQUESTA, FL 334691006 | METROPOLITAN LIFE INSURANCE COMPANY | $85 | — | $85 | 3.85% |
| THOMAS C CUNDY3 | PO BOX 24080 FORT LAUDERDALE, FL 333074080 | METROPOLITAN LIFE INSURANCE COMPANY | $62 | — | $62 | 2.81% |
| DAVID L CUNDY3 | PO BOX 24080 FORT LAUDERDALE, FL 333074080 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | — | $60 | 2.72% |
| ESKRA & ASSOCIATES INC3 | 355 ALHAMBRA CIR STE 1550 MORRISON FINAN C/O EDWARD MORRISON CORAL GABLES, FL 331345041 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | — | $41 | 1.86% |
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 | 13,310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,390 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 105 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2 | $26K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2 | $26K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,504 | $1.3M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 19,700 | $8.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,310 | $4.4M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 19,700 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,700 | — |
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.