| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 120 EAGLE ROCK AVENUE EAST HANOVER, NJ 07936 | AETNA LIFE INSURANCE CO. | $45K | — | $45K | 5.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4350 W CYPRESS ST,STE 300 TAMPA, FL 33607 | AETNA LIFE INSURANCE CO. | $44K | — | $44K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4350 W CYPRESS ST,STE 300 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $6K | $15K | 9.99% |
| ACRISURE LLC3 | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 8.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Investment management fees paid directly by plan Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $410K |
| DYAN MCGOVERN EIN 22-1538529 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $48K |
| O'BRIEN BELLAND & BUSHINSKY LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| LISA JOBBERS EIN 22-1538529 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| SMART 27 LOCAL UNION EIN 22-2374533 RELATED FUND | Other services; Direct payment from the plan Service code 49 | — | $33K |
| DAWN COSCIA EIN 22-1538529 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| PORTFOLIO EVALUATIONS INC EIN 22-3189064 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $20K |
| VIRTUCOMP EIN 26-4715938 NONE | Direct payment from the plan; Other services Service code 49 | — | $19K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Other services Service code 49 | — | $14K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other fees; Direct payment from the plan Service code 50 | — | $12K |
| COWDEN ASSOCIATES, INC EIN 25-1750131 NONE | Contract Administrator; Actuarial; Investment management fees paid directly by plan Service code 11 | — | $10K |
| GALLAGHER BENEFIT SERVICES INC EIN 63-4291971 NONE | Contract Administrator; Actuarial; Investment management fees paid directly by plan Service code 11 | — | $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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $149K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 391 | $878K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.