| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | — | $56K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2500 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 SOUTH ORANGE AVE SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | 200 SOUTH ORANGE AVE SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 200 SOUTH ORANGE AVE SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 200 SOUTH ORANGE AVE SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 4.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC. | 2 PIERCE PL FL 14 ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 9.75% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 S ORANGE AVE SUITE 1350 HOUSTON, TX 77057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $544 | — | $544 | 3.72% |
| DAVID D HOWES3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 1.25% |
| HOWES, INC.3 Filed as: HOWES INC | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 7.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 110 PONCE DE LEON ST ROYAL PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $473 | — | $473 | 3.36% |
| BB&T3 Filed as: BB AND T | J ROLFE DAVIS INSURANCE 850 CONCOURSE PKWY S 200 MAITLAND, FL 32751 | FEDERAL INSURANCE COMPANY | $862 | $29 | $891 | 15.51% |
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 | 457 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 897 | $4.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 797 | $405K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 343 | $39K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $143K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $51K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 897 | $4.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.