| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICE USA INC. | 1700 LINCOLN STREET 9TH FLOOR DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.25% |
| WELLS FARGO INSURANCE SERVICES3 | 1700 LINCOLN ST 9TH FLOOR DENVER, CO 80203 | METROPLITAN LIFE INSURANCE COMPANY | $2K | $27 | $2K | 0.39% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH ST. DENVER, CO 80202 | METROPLITAN LIFE INSURANCE COMPANY | $546 | $31 | $577 | 0.14% |
| WELLS FARGO INSURANCE SERVICES0 | 1018 W 9TH AVE. KING OF PRUSSIA, PA 19406 | METROPLITAN LIFE INSURANCE COMPANY | — | $171 | $171 | 0.04% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | 1700 LINCOLN STREET 9TH FLOOR DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.89% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | 1700 LINCOLN STREET 9TH FLOOR DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $776 | $776 | 1.93% |
| COBIZ INSURANCE3 Filed as: COBIZ | 821 17TH ST. DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 1018 W 9TH AVE. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$29 | -$29 | -0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1700 LINCOLN ST. 9TH FLOOR DENVER, CO 80203 | METROPOLITAN LIFE INSURANCE COMPANY | -$288 | $27 | -$261 | -0.93% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE INC. | 1700 LINCOLN ST. 9TH FLOOR DENVER, CO 80203 | METROPLITAN LIFE INSURANCE COMPANY | $17 | $27 | $44 | 0.19% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 821 17TH ST. DENVER, CO 80202 | METROPLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1018 W 19TH AVE. KING OF PRUSSIA, PA 19406 | METROPLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | 1700 LINCOLN STREET 9TH FLOOR DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $171 | $171 | 1.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 PLAN ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Participant communication; Float revenue; Direct payment from the plan; Non-monetary compensation; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $77K |
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 | 878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 673 | $993K |
| Dental | METROPLITAN LIFE INSURANCE COMPANY | 2,035 | $401K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 2,035 | $401K |
| Life insurance(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 2,035 | $441K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 745 | $76K |
| Other(3 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 2,035 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,035 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.