| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST SECOND ST 1ST FLOOR MEDIA, PA 19063 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $61K | $17K | $78K | 16.67% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $112 | $112 | 0.02% |
| 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 | $4K | $513 | $4K | 10.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.43% |
| ONE80 INTERMEDIARIES INC3 | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 282264998 | METROPOLITAN LIFE INSURANCE COMPANY | $653 | — | $653 | 1.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | METROPOLITAN LIFE INSURANCE COMPANY | $260 | — | $260 | 0.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $143 | — | $143 | 0.35% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 167 N. GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $577 | — | $577 | 5.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD WARRINGTON, PA 18976 | LIFESECURE INSURANCE COMPANY | $290 | — | $290 | 2.66% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 4821 DRAKESTONE CT CHARLOTTE, NC 28226 | LIFESECURE INSURANCE COMPANY | $193 | — | $193 | 1.77% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 684 | $7.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 479 | $374K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 900 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 684 | $469K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 684 | $469K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 684 | $469K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 683 | $6.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 684 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.