| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD REMAK3 Filed as: RONALD REMAK INSURANCE INC. | 306 S. STATE ROAD 446 BLOOMINGTON, IN 47401 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $193K | — | $193K | 7.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BLVD., SUITE 400 CARMEL, IN 46032 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 2.19% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE., 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $66K | — | $66K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE STE 450 SAN DIEGO, CA 921221071 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 4.58% |
| PHILIP N. MCKELVEY3 | 3931 S DIXIE DRIVE DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.90% |
| M J INSURANCE INC.3 Filed as: M-J INSURANCE INC. | 571 MONON BLVD., SUITE 400 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.31% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F REMAK INSURANCE INC. | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $569 | — | $569 | 0.22% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGS INC AN AON CO. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.10% |
| ERNEST FALCO3 | 350 CROWN OAK CENTRE DRIVE LONGWOOD, FL 32750 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.03% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.03% |
| MARY E. KOGER3 | 4108 HALYARD DRIVE DENVER, CO 28037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 212 W. KINZIE ST., FLOOR 4 CHICAGO, IL 60654 | COMBINED INSURANCE | $28K | — | $28K | 63.00% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 S. STATE ROAD 446 BLOOMINGTON, IN 47401 | COMBINED INSURANCE | $12K | — | $12K | 27.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | GBS FINANCE 2850 GOLF ROAD FL 5 ROLLING MDWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.15% |
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 | 8,676 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 276 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 253 | $109K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC. | 276 | $2.3M |
| Life insurance(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,705 | $4.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 7,316 | $2.8M |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,705 | $4.1M |
| Prescription drug | HIGHMARK INC. | 276 | $2.2M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,705 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,705 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.