| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 1014 VINE ST., STE 1100 CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | $172K | — | $172K | 8.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MATSONFORD RD 4 RADNOR CORP CNTR STE 510 RADNOR, PA 19087 | SYMETRA LIFE INSURANCE COMPANY | $28K | — | $28K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 6100 FAIRVIEW RD., STE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $4.2M |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 INSURANCE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $110K |
| WELLS FARGO INS SERVICES USA INC EIN 56-1882208 BROKER | Other commissions Service code 55 | — | $65K |
| MERRILL LYNCH, PIERCE, FENNER SMITH EIN 13-5674085 BROKERAGE | Accounting (including auditing); Investment management Service code 10 | — | $32K |
| BANK OF AMERICA EIN 94-1687665 BROKERAGE | Investment management; Accounting (including auditing) Service code 10 | — | $10K |
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 | 4,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,784 | $320K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 5,522 | $2.0M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,522 | $2.0M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,522 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,522 | — |
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.
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.