| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST STE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $28K | $53K | 1.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $20K | $41K | 1.35% |
| CES INSURANCE, INC3 Filed as: CES INS AGENCY INC. | 29 SAWYER RD WALTHAM, MA 02453 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $676 | $64K | 3.15% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $159 | $16K | 1.57% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.19% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.89% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 555 E. LANCASTER AVENUE STE 300 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | — | $55K | 10.52% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 12.00% |
| HOLT LUNSFORD3 Filed as: HOLT HEATH A | 40 MONUMENT RD STE 107 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | — | $19K | 7.02% |
| FISHMAN HARRIS S3 | 2 BALA PLZ STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.04% |
| RUBIN ANDREW DAVID3 | 40 MONUMENT RD BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $96 | — | $96 | 0.04% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 555 E. LANCASTER AVENUE STE 300 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $982 | — | $982 | 10.49% |
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 | 3,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | INDEPENDENCE | 4,940 | $45.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,585 | $525K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,780 | $846K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,647 | $3.1M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,224 | $3.3M |
| Prescription drug(8 contracts, 7 carriers) | INDEPENDENCE | 4,940 | $45.1M |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE | 4,940 | $40.6M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,502 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,585 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.