| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $97K | $97K | 0.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $37K | $37K | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $634K | $0 | $634K | 15.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $63K | $0 | $63K | 7.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $13K | $5K | $17K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $0 | $13K | $13K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $876 | $876 | 0.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $217 | $217 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST CLEVELAND, OH 44114 | METLIFE LEGAL PLANS | $0 | $40 | $40 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $58K | $0 | $58K | 13.96% |
| DERRICK LEE DAVIS3 | 1315 SOUTH MAIN STREET WINSTON SALEM, NC 27127 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.30% |
| RONALD K. WARDEN3 | 1971 SANDY POINT LANE MOUNT PLEASANT, SC 29466 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.30% |
| JOHN CHRISTOPHER REYNOLDS3 | 655 SHREWSBURY AVENUE, SUITE 205 SHREWSBURY, NJ 07702 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $354 | $0 | $354 | 0.09% |
| JOSEPH A. SMITH3 | 655 SHREWSBURY AVENUE, SUITE 205 SHREWSBURY, NJ 07702 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.02% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $74 | $0 | $74 | 0.02% |
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 | 34,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 25,979 | $4.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 27,236 | $27.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 27,236 | $27.9M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 27,236 | $28.4M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,055 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.