| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 SAINT LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $200K | — | $200K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2030 MAIN STREET, SUITE 700 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | — | $91 | $91 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELL FARGO INSURANCE | 1 NORTH JEFFERSON AVENUE SAINT LOUIS, MO 63103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $56K | $19K | $74K | 24.82% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C. FLANAGAN JR. | 6000 FIARVIEW ROAD, SUITE 400 CHARLOTTE, NC 28210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14K | $38K | $52K | 17.52% |
| FERNANDO F. LOPEZ3 | 273 AVENUE PONCE DE LEON SUITE 1400 HATO REY, PR 00917 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $81 | — | $81 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $224 | $307 | $531 | 6.14% |
| WELLS FARGO INSURANCE SERVICES3 | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.99% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.86% |
| WELLS FARGO INSURANCE SERVICES3 | 6100 VAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.81% |
| WELLS FARGO INSURANCE SERVICES3 | 1441 MAIN STREET, 15TH FLOOR COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
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 | 7,164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 11,688 | $4.2M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 11,688 | $4.2M |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 11,688 | $4.5M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 11,688 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,688 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.