| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 720 EAST PETE ROSEWAY, STE 400 CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | $153K | — | $153K | 7.10% |
| 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 | $32K | — | $32K | 1.48% |
| 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 | $31K | — | $31K | 1.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 6100 FAIRVIEW RD., STE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.21% |
| 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 | $25K | $25K | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 INSURANCE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $119K |
| WELLS FARGO INS SERVICES USA INC EIN 56-1882208 BROKER | Other commissions Service code 55 | — | $69K |
| MERRILL LYNCH PIERCE FENNER AND SMI EIN 13-5674085 BROKERAGE | Investment management Service code 28 | — | $22K |
| BANK OF AMERICA EIN 94-1687665 TRUSTEE | Accounting (including auditing); Investment management 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 | 4,483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,084 | $354K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 5,946 | $2.2M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,946 | $2.2M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,946 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,946 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.