| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4 RADNOR CORPORATE CENTER WAYNE, PA 19087 | AETNA LIFE INSURANCE CO. | — | $20K | $20K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $135K | $238K | $373K | 6.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD 9TH FLOOR ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95K | $220K | $315K | 6.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD 9TH FL ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $104K | $178K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $300K | — | $300K | 24.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $169K | — | $169K | 13.52% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $10K | $59K | 17.31% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | — | $53K | 19.01% |
| MANNING JERRY3 | 167 N S GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | — | $53K | 19.01% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 9.50% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $6K | $35K | 18.54% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $5K | $31K | 17.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP EXECUTIVE BENEFITS LLC | 2600 KELLY ROAD SUITE 210 WARRINGTON, PA 18976 | MINNESOTA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.99% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $5K | $29K | 18.78% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | LEGAL PLANS, USA | $13K | — | $13K | 10.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $4K | $24K | 18.96% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 16.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $690 | — | $690 | 14.99% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.14% |
| MANNING JERRY3 | 167 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.14% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.57% |
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 | 32,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,144 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 57,314 | $8.0M |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 48,704 | $1.6M |
| Life insurance(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32,115 | $5.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,359 | $5.4M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21,946 | $5.7M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 28,493 | $922K |
| Other(14 contracts, 8 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41,385 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,314 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.