| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $179K | $358K | $538K | 5.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $44K | $65K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $65K | $65K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $177K | $353K | $530K | 5.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $130K | $130K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $34K | $51K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $156K | $313K | $469K | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $65K | $65K | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $30K | $44K | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $639K | — | $639K | 28.69% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $350K | — | $350K | 15.72% |
| ECE SPECIALISTS LLC3 | 13 BRENTWOOD DR LIVINGSTON, NJ 070394409 | ASSURITY LIFE INSURANCE COMPANY | $145K | — | $145K | 6.80% |
| LISA RAABE3 | 18 E LEHMAN AVE HATBORO, PA 190403416 | ASSURITY LIFE INSURANCE COMPANY | $132K | — | $132K | 6.17% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 193121152 | ASSURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 0.69% |
| TRION GROUP, INC.3 Filed as: TRION GROUP, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 3.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | — | $103K | 17.19% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DRIVE STE 130 TAMPA, FL 336091021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 2.59% |
| MANNING JERRY3 | 167 N S GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 2.59% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.30% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | — | $68K | 17.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP EXECUTIVE BENEFITS LLC | 2600 KELLY ROAD SUITE 210 WARRINGTON, PA 18976 | MINNESOTA LIFE INSURANCE COMPANY | $17K | — | $17K | 4.79% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 17.10% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 17.09% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | — | $46K | 17.06% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DRIVE STE 130 TAMPA, FL 336091021 | LEGAL PLANS, USA | $25K | — | $25K | 10.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $23K | $49K | 31.53% |
| THE ARJAY GROUP INC3 | 822 MONTGOMERY AVE STE 300 NARBERTH, PA 19072 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 9.90% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $467 | — | $467 | 15.01% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.18% |
| MANNING JERRY3 | 167 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.18% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.59% |
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 | 31,746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 344 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,765 | $2.1M |
| Dental | AETNA LIFE INSURANCE CO. | 12,008 | $3.2M |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 48,617 | $44K |
| Life insurance(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32,342 | $12.6M |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,188 | $12.2M |
| Long-term disability(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30,263 | $11.7M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 28,241 | $1.5M |
| Other(15 contracts, 9 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32,342 | $17.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,617 | — |
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.