| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED HEALTHCARE INSURANCE COMPANY | $176K | $0 | $176K | 3.36% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 0.86% |
| CONDUENT HR CONSULTING LLC3 Filed as: CODUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC | $53K | $0 | $53K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $152K | $225 | $152K | 8.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.32% |
| UNKNOWN3 | UNKNOWN TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $196 | $196 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $134K | $0 | $134K | 8.37% |
| PHILLIP LESLIE3 | 17304 PRESTON ROAD, SUITE 1070 DALLAS, TX 75252 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 1.63% |
| ASSUREDPARTNERS3 | UNKNOWN LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $17K | $0 | $17K | 4.98% |
| V.M.O. & ASSOCIATES, INC.3 Filed as: V M O AND ASSOCIATES, INC. | PO BOX 1717 GUAYNABO, PR 00970 | MCS LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $10K | $0 | $10K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $1K | $1K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $234 | $234 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $123 | $123 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $109 | $109 | 0.11% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $523 | $5K | 11.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | FOUR EVER LIFE INSURANCE COMPANY | $244 | $122 | $366 | 11.98% |
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 | 4,695 | 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) | 4,695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,516 | $8.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 8,052 | $5.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,346 | $776K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,695 | $3.4M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,595 | $1.8M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 33 | $173K |
| Other(7 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,696 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,346 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.