| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $53K | — | $53K | 1.76% |
| COHNREZNICK BENEFITS CONSULTING3 | UNKNOWN NEW YORK, NY 10019 | DELTA DENTAL OF PENNSYLVANIA | $37K | — | $37K | 1.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $86K | $86K | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY | $70K | — | $70K | 3.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES - NORTHWEST | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY | $56K | $0 | $56K | 3.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $37K | $37K | 2.06% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 200 MARQUETTE AVENUE, SUITE 900 MINNEAPOLIS, MN 55401 | AETNA LIFE INSURANCE COMPANY | $90K | — | $90K | 15.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $43K | — | $43K | 7.27% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, 3RD FLOOR MERIDEN, CT 06450 | AETNA LIFE INSURANCE COMPANY | $30K | — | $30K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.31% |
| ACRISURE LLC3 Filed as: JH COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.30% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $12K | $16K | 10.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.80% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | LEGALPLANS, USA | $13K | $0 | $13K | 10.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | PO BOX 123383 DALLAS, TX 75312 | LEGALPLANS, USA | $10K | $0 | $10K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LEGALPLANS, USA | $3K | $0 | $3K | 2.50% |
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 | 3,808 | 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) | 3,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 5,445 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,085 | $316K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 3,808 | $1.9M |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 3,808 | $1.8M |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 3,808 | $1.8M |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 3,808 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,445 | — |
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.