| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $41 | $7K | 8.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $616 | $1K | $2K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $124 | $2K | 1.97% |
| HARRIS KIVITZ3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $778 | — | $778 | 0.96% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $528 | — | $528 | 0.65% |
| WILLIAM J. SCANLON3 | 132 KINGS HIGHWAY EAST, SUITE 105 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPANY | $403 | — | $403 | 0.50% |
| MJ INSURANCE3 Filed as: RAYMOND MANG AND VARIOUS AGENTS | 5894 WINTERBERRY PLACE ALLENTOWN, PA 18104 | METROPOLITAN LIFE INSURANCE COMPANY | $174 | — | $174 | 0.21% |
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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 779 | $81K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 705 | $175K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 705 | $175K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 779 | $257K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 779 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.