| 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 COMPANY AND AFFILIATES | $0 | $82K | $82K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $1K | $12K | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP | 270 MUNOZ RIVERA PH1 SAN JUAN, PR 00918 | MCS LIFE INSURANCE COMPANY | $932 | $0 | $932 | 4.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $619 | $88 | $707 | 11.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $158 | — | $158 | 4.31% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $123 | $0 | $123 | 3.36% |
| MAXINE GANTMAN3 | 25 FRANKLIN BOULEVARD APARTMENT 4N LONG BEACH, NY 11561 | AFLAC | $78 | $38 | $116 | 3.17% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $73 | $8 | $81 | 2.21% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $64 | $15 | $79 | 2.16% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $32 | $8 | $40 | 1.09% |
| MJ INSURANCE3 Filed as: LORAINE SOMMER AND VARIOUS AGENTS | 2188 NESCONSSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $23 | $0 | $23 | 0.63% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 382 | $3.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 290 | $307K |
| Vision(3 contracts, 3 carriers) | HM LIFE INSURANCE COMPANY | 343 | $103K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 373 | $266K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 373 | $226K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 373 | $226K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 382 | $3.0M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 373 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.