| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $299K | $655K | $954K | 12.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $314K | $35K | $349K | 14.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $0 | $65K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY, SUITE 400 HOUSTON, TX 77043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $1K | $41K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 0.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132K | $25K | $157K | 20.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $0 | $29K | 3.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 10100 KATY FREEWAY, SUITE 400 HOUSTON, TX 77043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $483 | $16K | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 0.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $319 | $319 | 0.04% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | UNKNOWN BIRMINGHAM, AL 62149 | TRIPLE S SALUD, INC. | $29K | $0 | $29K | 5.00% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE, INC. | PO BOX 11992 SAN JUAN, PR 00922 | DELTA DENTAL OF PUERTO RICO, INC. | $3K | $0 | $3K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $415 | $0 | $415 | 89.63% |
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 | 19,241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 248 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 204 | $2.0M |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 185 | $46K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,837 | $2.3M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 19,015 | $8.2M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 19,015 | $7.5M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 19,015 | $7.5M |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 204 | $2.0M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 19,015 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,015 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.