| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1205 WESTLAKES DRIVE BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $23K | $2K | $25K | 3.71% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $98 | $3K | $3K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $3K | $10K | 8.84% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST ELMWOOD PARK, NJ 74070 | UNITED CONCORDIA INSURANCE COMPANY | $804 | $349 | $1K | 0.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 8144 WALNUT HILL LANE, SUITE 15 DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $670 | $285 | $955 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | UNKNOWN CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $445 | $445 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 125 ELM EAST STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 19.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | UNKNOWN CONSHOHOCKEN, PA 19428 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 16.30% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO. | UNKNOWN WILLOW GROVE, PA 19090 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 301 WOODLAND HILLS, CA 91367 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $793 | $793 | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HEARTLAND | $1K | $0 | $1K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 301 WOODLAND HILLS, CA 91367 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $144 | $2K | 11.76% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTINS., LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $688 | $688 | 4.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $405 | $0 | $405 | 2.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $123 | $0 | $123 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $33 | $33 | 0.29% |
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 | 296 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 70 | $667K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 352 | $132K |
| Vision(2 contracts, 2 carriers) | HEARTLAND | 389 | $33K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 136 | $69K |
| Short-term disability(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 73 | $78K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 12 | $14K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 70 | $667K |
| Other(4 contracts, 4 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 136 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.