| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFIT INC | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $1.7M | — | $1.7M | 0.10% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC PA | — | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $318K | $318K | 0.02% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC/TX | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $52K | $52K | 0.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | — | AETNA LIFE INSURANCE COMPANY | $0 | $799K | $799K | 0.08% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $77K | — | $77K | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN, INC. | $630 | — | $630 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $0 | $356K | $356K | 0.25% |
| GBS SPECIALTY MARKETS, LLC3 | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.3M | $916K | $2.2M | 2.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $2.5M | $248K | $2.7M | 3.06% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | — | DELTA DENTAL INSURANCE COMPANY | $693K | — | $693K | 1.16% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $147K | — | $147K | 0.25% |
| GBS SPECIALTY MARKETS, LLC3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $1.0M | — | $1.0M | 2.60% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $959K | — | $959K | 2.41% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $690K | — | $690K | 2.19% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $213K | — | $213K | 0.68% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 600080008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $47K | $47K | 0.15% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $0 | $97K | $97K | 0.34% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY DR NE STE 2000 ATLANTA, GA 303261384 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $0 | $9K | $9K | 0.03% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA HEALTH PLAN, INC | $0 | $81K | $81K | 0.31% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $510K | — | $510K | 2.34% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $166K | — | $166K | 0.76% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 600080008 | BLUE CARE NETWORK OF MICHIGAN | $0 | $41K | $41K | 0.19% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $461K | — | $461K | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 782160582 | AETNA LIFE INSURANCE COMPANY | $426K | — | $426K | 3.05% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $0 | $31K | $31K | 0.35% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA INSURANCE COMPANY | $0 | $22K | $22K | 0.35% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY DR NE STE 2000 ATLANTA, GA 303261384 | HUMANA INSURANCE COMPANY | $0 | $7 | $7 | 0.00% |
| GBS SPECIALTY MARKETS, LLC3 | 2600 S TELEGRAPH, STE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $6K | $6K | 0.10% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA HEALTH PLAN OF OHIO, INC. | $0 | $7K | $7K | 0.33% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF RD ROLLING MDWS, IL 60008 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $0 | $6K | $6K | 0.37% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $15K | — | $15K | 1.22% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTEGRA INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICES | — | COMMUNITY INSURANCE COMPANY | $0 | $1K | $1K | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUE BENEFIT LLC EIN 26-1344637 NONE | Direct payment from the plan; Insurance agents and brokers; Investment management fees paid indirectly by plan Service code 22 | — | $18.2M |
| GBS SPECIALTY MARKETS LLC EIN 37-1731018 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $17.4M |
| ADP TOTALSOURCE, INC EIN 59-3216484 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $5.7M |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $5.4M |
| HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 NONE | Direct payment from the plan Service code 50 | — | $1.9M |
| TTEC SERVICES CORP. EIN 84-1366615 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.6M |
| OPTUMINSIGHT INC. EIN 41-1858498 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.5M |
| RR DONNELLY & SONS COMPANY EIN 16-0331690 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.3M |
| CSI COMPANIES EIN 59-3270426 NONE | Direct payment from the plan Service code 50 | — | $1.3M |
| SUNDASKY INC. EIN 42-1767107 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $375K |
| ENHANCED RECOVERY CO LLC EIN 31-1680696 NONE | Direct payment from the plan Service code 50 | — | $191K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $153K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $77K |
| SANDY ALEXANDER EIN 75-0460390 NONE | Other services; Direct payment from the plan Service code 49 | — | $21K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $20K |
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 | 506,857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,423 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25,451 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537,731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(36 contracts, 36 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,075,515 | $3.8B |
| Dental(6 contracts, 6 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 159,825 | $486.6M |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 320,856 | $359.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,075,515 | $89.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,075,515 | $89.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,075,515 | $89.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 5,280 | $53.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075,515 | — |
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.