| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC PA | — | UNITEDHEALTHCARE INSURANCE COMPANY | $117K | — | $117K | 0.01% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | — | AETNA LIFE INSURANCE COMPANY | $0 | $540K | $540K | 0.06% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $299 | — | $299 | 0.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFIT INC. | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | OXFORD HEALTH INSURANCE, INC | $0 | $742K | $742K | 0.12% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $43K | — | $43K | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN, INC. | $205 | — | $205 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2.4M | $299K | $2.7M | 3.43% |
| GBS SPECIALTY MARKETS, LLC3 | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.0M | $826K | $1.9M | 2.42% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $447K | — | $447K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 782160582 | AETNA LIFE INSURANCE COMPANY | $379K | — | $379K | 0.60% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 0.05% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | — | DELTA DENTAL INSURANCE COMPANY | $589K | — | $589K | 1.09% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $146K | — | $146K | 0.27% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $985K | — | $985K | 2.71% |
| GBS SPECIALTY MARKETS, LLC3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $920K | — | $920K | 2.53% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA HEALTH PLAN, INC | $0 | $123K | $123K | 0.39% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $956K | — | $956K | 3.21% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $0 | $103K | $103K | 0.35% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $25 | — | $25 | 0.00% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | — | BLUE CARE NETWORK OF MICHIGAN | $831K | — | $831K | 3.82% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $0 | $37K | $37K | 0.37% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA INSURANCE COMPANY | $0 | $35K | $35K | 0.37% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $3K | $3K | 0.06% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $0 | $5K | $5K | 0.33% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA HEALTH PLAN OF OHIO, INC. | $0 | $6K | $6K | 0.38% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $12K | — | $12K | 1.23% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTEGRA INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUE BENEFIT LLC EIN 26-1344637 NONE | Investment management fees paid indirectly by plan; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $17.2M |
| LSG INSURANCE PARTNERS, INC EIN 38-1793770 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Insurance agents and brokers Service code 22 | — | $12.5M |
| ADP TOTALSOURCE, INC EIN 59-3216484 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $4.6M |
| GBS SPECIALTY MARKETS LLC EIN 37-1731018 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $4.3M |
| MILLIMAN EIN 91-0675641 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $3.5M |
| RR DONNELLY & SONS COMPANY EIN 16-0331690 NONE | Other services; Direct payment from the plan Service code 49 | — | $2.5M |
| OPTUM EIN 41-1858498 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.8M |
| TTEC SERVICES CORP EIN 84-1366615 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $803K |
| CSI COMPANIES EIN 59-3270426 NONE | Direct payment from the plan Service code 50 | — | $791K |
| SANDY ALEXANDER EIN 75-0460390 NONE | Other services; Direct payment from the plan Service code 49 | — | $571K |
| SUNDAYSKY INC EIN 42-1767107 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $225K |
| PWC LLP EIN 13-4008324 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $213K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $200K |
| GUIDESPARK EIN 26-2229814 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $66K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $20K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $18K |
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 | 438,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,292 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23,789 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(32 contracts, 32 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 964,010 | $3.4B |
| Dental(6 contracts, 6 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 146,826 | $470.9M |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 292,313 | $313.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 964,010 | $79.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 964,010 | $79.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 964,010 | $79.9M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,888 | $51.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964,010 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.