| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $24K | $236K | $260K | 1.38% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | -$209 | $120K | $119K | 0.63% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS, INC. | 24 EAST 2ND STREET, 1ST FLOOR MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116K | $0 | $116K | 13.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3095 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 7.09% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORARTE SYNERGIES GROUP, LLC | 1540 CORNERSTONE BOULEVARD SUITE 200 DAYTONA BEACH, FL 32117 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 4.07% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 2.20% |
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 | 2,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,929 | $18.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,929 | $18.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,757 | $143K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,867 | $863K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,867 | $447K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,867 | $863K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,929 | $18.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,867 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,867 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.