| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 9.92% |
| MARK METTILLE3 | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY | $7K | $0 | $7K | 27.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | COMBINED INSURANCE COMPANY | $3K | $0 | $3K | 11.77% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY | $2K | $0 | $2K | 6.40% |
| MARK METTILLE3 | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4350 WEST CYPRESS STREET, SUITE 300 TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $951 | $0 | $951 | 4.45% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $861 | $0 | $861 | 4.03% |
| RYAN WHITTINGTOM3 | UNKNOWN TAMPA, FL 33607 | COMBINED INSURANCE COMPANY OF AMERICA | $327 | $0 | $327 | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $107 | $1K | 18.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | $109 | $382 | 5.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $458 | $0 | $458 | 9.42% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $132K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $132K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $162K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $139K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.