| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $179K | $179K | 2.24% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $135K | $135K | 3.16% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $39K | — | $39K | 9.93% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | — | $7K | $7K | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 8.72% |
| PAR-DI SERVICES INC3 | PO BOX 3438 TEQUESTA, FL 334691006 | METROPOLITAN LIFE INSURANCE COMPANY | $339 | — | $339 | 14.17% |
| DAVID L CUNDY3 | PO BOX 24080 FORT LAUDERDALE, FL 333074080 | METROPOLITAN LIFE INSURANCE COMPANY | $243 | — | $243 | 10.16% |
| THOMAS C CUNDY3 | PO BOX 24080 FORT LAUDERDALE, FL 333074080 | METROPOLITAN LIFE INSURANCE COMPANY | $183 | — | $183 | 7.65% |
| ESKRA & ASSOCIATES INC3 | 355 ALHAMBRA CIR STE 1550 MORRISON FINAN C/O EDWARD MORRISON CORAL GABLES, FL 331345041 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | — | $41 | 1.71% |
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 | 13,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,650 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 8 | $43K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 8 | $43K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,486 | $1.4M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 20,314 | $8.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 13,664 | $4.3M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 20,314 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,314 | — |
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.