| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $295 | $295 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 702 KING FARM BLVD STE 210 ROCKVILLE, MD 208506536 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
| KELLY MCGARRY3 | 4742 N ORACLE RD STE 210 TUCSON, AZ 85705 | AFLAC | $59 | $0 | $59 | 3.54% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $55 | $0 | $55 | 3.30% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $16 | $0 | $16 | 0.96% |
| NICHOLAS CAFFREY3 | 6502 N CALLE LOTTIE TUCSON, AZ 85718 | AFLAC | $10 | $0 | $10 | 0.60% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $46K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $46K |
| Short-term disability | AFLAC | 2 | $2K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.