| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 5.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE COMMERCE SQUARE 2005 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 1.12% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $198 | $198 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116K | $0 | $116K | 48.95% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY, SUITE 300-I DALLAS, TX 75206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 14.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $62 | $2K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $33 | $33 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $20 | $20 | 0.09% |
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 | 956 | 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) | 956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $1.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $1.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 956 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.