| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 5.60% |
| MARK METTILLE3 | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE | $5K | $0 | $5K | 30.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | COMBINED INSURANCE | $2K | $0 | $2K | 12.02% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE | $2K | $0 | $2K | 8.84% |
| RYAN WHITTINGTOM3 Filed as: RYAN WHITTINGTON | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE | $214 | $0 | $214 | 1.24% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 24.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.57% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $65 | $0 | $65 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 22.82% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 130 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 130 | $140K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $144K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $127K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $127K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 149 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.