| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4350 WEST CYPRESS STREET, STE 300 TAMPA, FL 33607 | CURATIVE INSURANCE COMPANY | $108K | — | $108K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $63 | $16K | 9.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST # 6THFLOOR SAN DIEGO, CA 921018101 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $73 | $7K | 4.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $549 | $549 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 451 MAITLAND, FL 327518654 | METROPOLITAN LIFE INSURANCE COMPANY | $100 | — | $100 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $868 | $63 | $931 | 9.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $556 | $148 | $704 | 7.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST # 6THFLOOR SAN DIEGO, CA 921018101 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | $73 | $405 | 4.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.33% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 337586090 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $720 | $63 | $783 | 9.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $471 | $117 | $588 | 6.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST # 6THFLOOR SAN DIEGO, CA 921018101 | METROPOLITAN LIFE INSURANCE COMPANY | $291 | $73 | $364 | 4.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74 | $74 | 0.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, IL 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.34% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 337586090 | METROPOLITAN LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600084050 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $63 | $2K | 18.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 921018101 | METROPOLITAN LIFE INSURANCE COMPANY | $556 | $73 | $629 | 7.39% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $480 | $125 | $605 | 7.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.33% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 337586090 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CURATIVE INSURANCE COMPANY | 244 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $163K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $163K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $163K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $163K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $163K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 244 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.