| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $32K | $32K | 2.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 12.23% |
| KAREN L. FINGER3 | 102 MARBURY COURT MEDFORD, NJ 08055 | AFLAC | $1K | $0 | $1K | 3.76% |
| BARRY M SCOFF3 Filed as: BARRY M. SCOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $579 | — | $579 | 1.77% |
| MJ INSURANCE3 Filed as: LARRY C. KENNEY AND VARIOUS AGENTS | 434 HIGH WATER DRIVE HARDEEVILLE, SC 29927 | AFLAC | $492 | $0 | $492 | 1.50% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $309 | $0 | $309 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $289 | $0 | $289 | 0.88% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $247 | $0 | $247 | 0.76% |
| CHARMAINE E WHITE JACKSON3 Filed as: CHARMAINE E. WHITE JACKSON | 1 GABRIELLE CIRCLE SWEDESBORO, NJ 08085 | AFLAC | $138 | $0 | $138 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HEARTLAND | $350 | $0 | $350 | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LEGAL ACCESS CONSULTING, LLC | $251 | $0 | $251 | 9.99% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $66K |
| Vision | HEARTLAND | 157 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $42K |
| Short-term disability | AFLAC | 35 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $42K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.