| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $199K | $199K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY SUITE 300 WEST PALM BEACH, FL 33411 | GENWORTH LIFE INSURANCE COMPANY | $33K | $0 | $33K | 6.14% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH STREET, #200 REDMOND, WA 98052 | GENWORTH LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.44% |
| LON R KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $11K | $746 | $11K | 3.74% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $8K | $381 | $8K | 2.74% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $6K | $466 | $7K | 2.25% |
| VINCENT P ANDREANO3 | 3915 WILD LIME LN CORAL SPRINGS, FL 33065 | AFLAC | $1K | $0 | $1K | 0.44% |
| JOHN H VRATSINAS3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $996 | $237 | $1K | 0.41% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $921 | $110 | $1K | 0.34% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $748 | $0 | $748 | 0.25% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $624 | $0 | $624 | 0.21% |
| SHELLY M THOMPSON3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $333 | $0 | $333 | 0.11% |
| SEGUROS CORTES INC3 | 393 CALLE JARDIN LIBERTAD JARD DE MEDITERRANEO TOA ALTA, PR 00953 | AFLAC | $145 | $0 | $145 | 0.05% |
| LON R KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $4K | $161 | $4K | 2.08% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $4K | $126 | $4K | 1.84% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $3K | $133 | $3K | 1.31% |
| VINCENT P ANDREANO3 | 3915 WILD LIME LN CORAL SPRINGS, FL 33065 | AFLAC | $708 | $0 | $708 | 0.35% |
| SEGUROS CORTES INC3 | 393 CALLE JARDIN LIBERTAD JARD DE MEDITERRANEO TOA ALTA, PR 00953 | AFLAC | $706 | $0 | $706 | 0.35% |
| JUDY L EDWARDS3 | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $672 | $0 | $672 | 0.33% |
| SHELLY M THOMPSON3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $595 | $0 | $595 | 0.29% |
| JOHN H VRATSINAS3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $306 | $69 | $375 | 0.18% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $291 | $0 | $291 | 0.14% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $253 | $22 | $275 | 0.14% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $13 | $0 | $13 | 6.28% |
| SHELLY M THOMPSON3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $6 | $0 | $6 | 2.90% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $1 | $0 | $1 | 0.48% |
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 | 8,567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,430 | $759K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,590 | $9.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,590 | $9.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,590 | $9.4M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,567 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,567 | — |
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."
No prospect flags tripped on this filing.