| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ERWIN LAX EIN 59-0834277 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $194K |
| LORRAINE WILLIAMS EIN 59-0834277 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| ANTHONY L ROUNDTREE EIN 59-0834277 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| CYNTHIA POWELL EIN 59-0834277 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| GEOGRAMETRIX INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 9838 OLD BAYMEADOWS RD #347 JACKSONVILLE, FL 32256 | $60K |
| MOSELEY, PRICHARD, PARRISH, KNIGHT EIN 59-1309328 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| PETRENE A CALDWELL EIN 59-0834277 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| TERRIE Y JACHO-SWANIGAN EIN 59-0834277 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| DARYL M ALSTON EIN 59-0834277 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| VENTURE POINTE NONE | Direct payment from the plan; Consulting (general) Service code 16 | 8659 BAYPINE ROAD SUITE 106 JACKSONVILLE, FL 32256 | $31K |
| THE LAMBOS FIRM EIN 13-3864093 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| WYNETTA MCGRAW EIN 59-0834277 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| SMITH, GAMBRELL & RUSSELL, LLP EIN 58-0967450 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| ROBEIN, URANN, SPENCER, PICARD, & C NONE | Legal; Direct payment from the plan Service code 29 | 2540 SEVERN AVE SUITE 400 METARIE, LA 70002 | $16K |
| COMPREHENSIVE CONSULTING NONE | Consulting (general); Direct payment from the plan Service code 16 | 5038 DORSEY HALL DRIVE ELLICOTT, MD 21042 | $9K |
| JOHN E. SANDS NONE | Legal; Direct payment from the plan Service code 29 | 7777 GLADES ROAD SUITE 100 BOCA RATON, FL 33434 | $8K |
| SOUTHERN PC TECHNOLOGIES, LLC NONE | Consulting (general); Direct payment from the plan Service code 16 | 9957 MOORINGS DRIVE UNIT 102 JACKSONVILLE, FL 32257 | $6K |
| PENSION BOARD CONSULTANTS EIN 59-1997474 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $5K |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 208 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 148 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 822 | $470K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 822 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.