| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $406K | $71K | $478K | 8.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | KAISER FOUNDATION HEALTH PLAN INC | $155K | — | $155K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | EYEMED VISION CARE | $16K | — | $16K | 2.79% |
| THE RR CORE INSURANCE GROUP3 | PMB 120 PO BOX 194000 SAN JUAN, PR 00919 | TRIPLE S SALUD, INC. | $21K | — | $21K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | TRANSAMERICA LIFE INSURANCE COMPANY | $48K | — | $48K | 12.73% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES, LLC | 4500 BLACK ROCK ROAD, 3RD FLOOR HAMPSTEAD, MD 21074 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.37% |
| HENRY A. ECHEVERRIA3 Filed as: HENRY A ECHEVERRIA | 34 BOUVANT DRIVE PRINCETON, NJ 08540 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.62% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.56% |
| INNOBENEFITS LLC3 Filed as: INNOBENEFITS, LLC | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 3.00% |
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 | 9,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 472 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 928 | $4.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,905 | $6.0M |
| Vision | EYEMED VISION CARE | 7,856 | $587K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,905 | $6.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,905 | $5.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,905 | $5.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 928 | $4.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,508 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,508 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.