| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $222K | $332K | $554K | 5.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $131K | $131K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOW, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112K | — | $112K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230K | $349K | $579K | 5.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113K | — | $113K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $66K | $66K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DR SUITE 350 CARMEL, IN 46032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182K | $274K | $456K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADWOS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | — | $92K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $66K | $66K | 0.80% |
| 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 | $635K | — | $635K | 21.80% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $348K | — | $348K | 11.94% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $87K | $87K | 3.00% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $29K | $29K | 1.00% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147K | — | $147K | 15.21% |
| MANNING JERRY3 | 167 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147K | — | $147K | 15.21% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74K | — | $74K | 7.60% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFIS INC. DBA CORESTREAM | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $109K | $7K | $116K | 14.20% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $5K | $60K | 14.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP EXECUTIVE BENEFITS LLC | 2600 KELLY ROAD SUITE 210 WARRINGTON, PA 18976 | MINNESOTA LIFE INSURANCE COMPANY | $16K | — | $16K | 4.82% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $4K | $44K | 14.61% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUTIE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSRUANCE COMPANY | $41K | $4K | $45K | 14.76% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | LEGAL PLANS, USA | $29K | — | $29K | 10.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $4K | $35K | 15.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.80% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $4K | $29K | 15.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.83% |
| NPF CORPORATE SERVICES PA3 Filed as: NPF CORPORATE SERVICES PA INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | METLIFE LEGAL PLANS | $2K | — | $2K | 11.44% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $7K | $44K | 606.48% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $15K | 220.23% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $4K | $25K | 382.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 WEST MATSONFORD RD SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $927 | — | $927 | 15.00% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $4K | $23K | 613.38% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $16K | 1930.25% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 | 5404 CYPRESS CENTER DR SUITE 130 TAMPA, FL 336091021 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | — |
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 | 32,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 297 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,719 | $2.3M |
| Dental | AETNA LIFE INSURANCE CO. | 58,511 | $16.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 49,899 | $3.3M |
| Life insurance(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32,775 | $11.7M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,503 | $10.3M |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22,134 | $11.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 29,901 | $2.9M |
| Other(21 contracts, 11 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40,061 | $17.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,511 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.