| 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 | $226K | $0 | $226K | 4.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ONE NORTH JEFFERSON AVENUE SAINT LOUIS, MO 63103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $37K | $852 | $38K | 11.79% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN JR. | 4350 CONGRESS STREET SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.71% |
| FERNANDO F. LOPEZ3 | 273 AVENUE PONCE DE LEON SUITE 1400 HATO REY, PR 00917 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.01% |
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 | 7,199 | 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) | 7,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 11,862 | $4.6M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 11,862 | $4.6M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 11,862 | $4.9M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 11,862 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,862 | — |
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."
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.