| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 1.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $34 | $34 | 0.00% |
| AON CONSULTING INC3 | UNKNOWN CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $0 | -$83 | -$83 | -0.01% |
| UNKNOWN3 | UNKNOWN ST PETERSBURG, FL 33716 | GUARDIAN | $0 | $13K | $13K | 2.24% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $13K | $0 | $13K | 2.23% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN ST PETERSBURG, FL 33716 | GUARDIAN | $0 | $10K | $10K | 1.73% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 716 | $581K |
| Vision | GUARDIAN | 716 | $581K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 854 | $719K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 854 | $719K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 854 | $719K |
| Other | HARTFORD LIFE AND ACCIDENT | 854 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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."
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.