| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTHFIELD DRIVE, THRID FLOOR WINDSOR, IN 06095 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHESETTES | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, IN 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 0.37% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $558 | $558 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $7K | $0 | $7K | 1.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHESETTES | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $4K | $0 | $4K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ARAG INSURANCE COMPANY | $10K | $0 | $10K | 7.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHESETTES | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN CAMBRIDGE, MA 02139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHESETTES | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, IN 01772 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 15.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $492 | $492 | 0.45% |
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 | 3,054 | 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) | 3,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $122K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $122K |
| Vision | VISION SERVICE PLAN | 2,820 | $616K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,259 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,259 | $2.2M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,259 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,259 | — |
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.