| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $90K | — | $90K | 11.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4819 EMPEROR BLVD DURHAM, NC 27703 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 400 MIDLAND DRIVE SUITE 300 MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $111K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MED AND DENTAL FEES | Claims processing; Contract Administrator Service code 12 | — | $47K |
| ALLEGIANCE CASE MANAGEMENT, INC. EIN 03-0507057 CASE MANAGEMENT FEES | Contract Administrator; Claims processing Service code 12 | — | $11K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $6K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 TPA FEES | Contract Administrator; Claims processing Service code 12 | — | $5K |
| RXBENEFITS, INC. EIN 63-1157085 RX ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $4K |
| COMPSYCH EIN 35-3739783 TPA FEES | Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 514 | $813K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 518 | $132K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 518 | $132K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 514 | $813K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 518 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.