| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 1650 E BATTLEFIELD STE 200 SPRINGFIELD, MO 65804 | HUMANA MEDICAL PLAN, INC. | $108K | -$4K | $104K | 2.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8333 NW 53RD ST STE 600 MIAMI, FL 33166 | HUMANA MEDICAL PLAN, INC. | $21K | — | $21K | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 8333 NW 53RD ST., STE 600 MIAMI, FL 33166 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 9.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| GALLEAGHER BENEFIT SERVICE3 | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1650 E BATTLEFIELD STE 200 SPRINGFIELD, MO 65804 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 20.00% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON COMPANY INC | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 50.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 1650 E BATTLEFIELD STE 200 SPRINGFIELD, MO 65804 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $770 | -$14 | $756 | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8333 NW 53RD ST STE 600 MIAMI, FL 33166 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $192 | — | $192 | 0.72% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 30.24% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $701 | — | $701 | 5.03% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $701 | — | $701 | 5.03% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO, JILL BORRELL | PO BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 70.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14 FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $519 | — | $519 | 10.00% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA MEDICAL PLAN, INC. | 547 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 549 | $236K |
| Vision | HUMANA INSURANCE COMPANY | 458 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $45K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $36K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,055 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.