| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $72K | $9K | $81K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $248 | $248 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANC COMPANY AND AFFILIATES | $5K | — | $5K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $9K | 5.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $405 | $41 | $446 | 10.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $50 | $50 | 1.23% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11530 | AFLAC | $261 | $32 | $293 | 8.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $177 | — | $177 | 5.09% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $68 | $6 | $74 | 2.13% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUHLE RISK MANAGEMENT | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $44 | $6 | $50 | 1.44% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $37 | — | $37 | 1.06% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $19 | — | $19 | 0.55% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II, AND BRIAN WHITE | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | — | $90 | 11.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | — | $41 | 5.08% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | — | $20 | 2.48% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 272 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANC COMPANY AND AFFILIATES | 283 | $209K |
| Vision | HM LIFE INSURANCE COMPANY | 483 | $41K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 375 | $165K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 375 | $165K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 375 | $166K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 272 | $2.8M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 375 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.