| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 5.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 9.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $164 | $0 | $164 | 2.51% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $0 | $137 | 2.09% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 1.01% |
| KYLE RUSSEY3 | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.98% |
| RAYMOND KWOCKMAN GONG3 | 1907 COLUMBIA STREET, APARTMENT 501 SAN DIEGO, CA 92101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.63% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENT. INC. AND OTHER AGENTS | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.57% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.24% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES INC. | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 1.80% |
| KYLE RUSSEY3 | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 1.20% |
| JEFFREY GREENBLOTT3 | 4232 EMERSON PLACE VESTAL, NY 13850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 1.20% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 1.20% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $424K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 82 | $50K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 82 | $50K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $59K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $424K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.