| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.90% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON ROAD BUILDING 200 WHIPPANY, NJ 07981 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 0.85% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON ROAD BUILDING 200 WHIPPANY, NJ 07981 | HYATT LEGAL PLAN | $4K | — | $4K | 10.13% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 101 JFK PARKWAY SHORT HILLS, NJ 07078 | HYATT LEGAL PLAN | — | $1K | $1K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLAN | — | $41 | $41 | 0.10% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $377 | $22 | $399 | 11.76% |
| KATHERINE ANDERSON3 | 2977 HYDRA DRIVE LOVELAND, CO 80537 | AFLAC | $106 | $4 | $110 | 3.24% |
| LISA HALL3 | 9901 TURNPIKE DRIVE, SUITE 206 WESTMINSTER, CO 80031 | AFLAC | $53 | $4 | $57 | 1.68% |
| MARTIN A. ABRAMSON3 Filed as: MARTIN A. ABRAMSOM | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $47 | — | $47 | 1.39% |
| MJ INSURANCE3 Filed as: JOHN P. THOMPSON AND VARIOUS AGENTS | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $16 | — | $16 | 0.47% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A. CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $16 | — | $16 | 0.47% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS ROAD, SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $11 | — | $11 | 0.32% |
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 | 1,033 | 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) | 1,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 991 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,033 | $552K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,033 | $552K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,033 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.