| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10K | $10K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTER BOULEVARD ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 4.31% |
| ZOLLER AGENCY3 | 19 CAMPION ROAD NEW HARTFORD, NY 13413 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EXCELLUS BLUE CROSS BLUE SHIELD | $92 | $0 | $92 | 0.07% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 8.16% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | UNUM INSURANCE COMPANY | $3K | $672 | $3K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 2.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $61 | $18 | $79 | 0.12% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 17 | $136K |
| Dental(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 241 | $270K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 241 | $134K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $197K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $197K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $197K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 17 | $136K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.