| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERV USA INC | 600 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $0 | $60K | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CARRIER | $54K | $9K | $63K | 13.37% |
| WELLS FARGO INSURANCE SERVICES3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | SUPERIOR VISION PLAN | $13K | — | $13K | 10.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 75320 | THE STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $816 | $0 | $816 | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203383 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $733 | $0 | $733 | 3.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $916K |
| FLORES & ASSOCIATES LLC EIN 56-1542307 NONE | Claims processing Service code 12 | PO BOX 31397 CHARLOTTE, NC 28231 | $38K |
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 | 2,343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,343 | $1.2M |
| Vision | SUPERIOR VISION PLAN | 1,813 | $118K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CARRIER | 2,360 | $516K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CARRIER | 2,360 | $491K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CARRIER | 2,360 | $495K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,343 | $1.2M |
| Other | AETNA LIFE INSURANCE CARRIER | 2,360 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,360 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.