| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.47% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.42% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | SOUTHEAST LLC D/B/A COVALA GRO 40 WALL ST STE 1304 NEW YORK, NY 100051304 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $642 | $5K | 10.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $642 | $4K | 7.12% |
| ONE80 INTERMEDIARIES INC3 | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 282264998 | METROPOLITAN LIFE INSURANCE COMPANY | $414 | $642 | $1K | 2.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $402 | $642 | $1K | 2.11% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL G ACETI | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 282264998 | METROPOLITAN LIFE INSURANCE COMPANY | $361 | $642 | $1K | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $162 | $642 | $804 | 1.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | — | $642 | $642 | 1.30% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $815 | — | $815 | 2.30% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 167 N. GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $519 | — | $519 | 4.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD WARRINGTON, PA 18976 | LIFESECURE INSURANCE COMPANY | $311 | — | $311 | 2.71% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 4821 DRAKESTONE CT CHARLOTTE, NC 28226 | LIFESECURE INSURANCE COMPANY | $207 | — | $207 | 1.80% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $210 | — | $210 | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CENTER STE 100 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $107 | $2K | 18.91% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $262 | — | $262 | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CENTER STE 100 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $100 | $1K | 18.83% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $247 | — | $247 | 3.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3 RADNOR CORPORATE CENTER STE 100 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $891 | $85 | $976 | 19.68% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158 | — | $158 | 3.19% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67 | — | $67 | 2.75% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 614 | $5.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 443 | $342K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 792 | $35K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 545 | $98K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $186K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 553 | $120K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 614 | $5.6M |
| Other(7 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.