| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 NORTH ASHLEY DRIVE, SUITE 110 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES EBD, LLC | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | HARTFORD LIFE AND ACCIDENT | $0 | $616 | $616 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $4K | $17K | 12.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $157 | — | $157 | 0.50% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $133K |
| Vision | VISION SERVICE PLAN | 200 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 300 | $252K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 300 | $252K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 300 | $252K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $3.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 300 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.