| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | AMERITAS LIFE INSURANCE CORPORATION | $17K | $0 | $17K | 6.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $15K | $15K | 5.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.81% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| JENNIFER D EBAUGH3 Filed as: JENNIFER D. EBAUGH | 1670 MOHEGAN DRIVE, UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| BRITTON JOHNSON3 | 6531 TWIN FALLS COURT COLORADO SPRINGS, CO 80924 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| ROBERT L SONKEN3 Filed as: ROBERT L. SONKEN | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 1610 SHIRLEY AVENUE JOPPA, MD 21085 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $323 | — | $323 | 3.59% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 838 | $246K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 838 | $246K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $237K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $228K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 642 | $228K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 859 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.